Jim Cramer: The No. 1 thing 'people who are young should do with their money'
1. Advisors differentiate between investing and speculation in wealth-building strategies. 2. Cramer advocates for a balance of diversification and speculative stocks. 3. Younger investors should allocate funds for high-risk, high-reward speculations. 4. Speculative investments can lead to significant returns but carry high risks. 5. Understanding risks is essential in speculative investing for long-term wealth.