The Moneyist: I have crypto FOMO! ‘I’m too old to sit and hope I can make up for the lost time by safely investing my little bit of money’

‘I have a $3,000-a-month pension. I am living with my ill father, and I am currently not working and looking for a job. I am going to college using the GI Bill. I am almost 50, and have no 401(k).’