While I could some what see the reasoning behind accredited investor rules, I personally don't agree with them. If I can't spend the money I've earned how I want to it limits mobility and freedom on my part. If I want to invest in a startup, or invest in something like PeerStreet, it should be my right to lose (or gain) my money. I don't make 300k, nor do I have a million in assets, but as an engineer I make a decent pay check and have no dependents so why can't I throw my extra $ around how I want?