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You want 21 percent risk free? Pay off your credit cards.
If you make a living, if you earn your own money, you're free - however free one can be on this planet.
The two things that can hurt you are if you need money or if you need fame. Those are the things that can be your Achilles heel. But if you don't need money and you don't need fame, then you're free.
People go back to the stuff that doesn't cost a lot of money and the stuff that you don't have to hand money to over and over again. Stuff that you get for free, stuff that your older brother gives you, stuff that you can get out of the local library.