There are few quality low-risk investments right now. Most investments with decent returns require a good deal of input to achieve (e.g. the vending machine maintenance). But there are some investments where the input is primarily some form of expertise, which means you can play to the strengths you already have.

HN loves to hate on crypto. And the average crypto bagholder will get screwed when this bull run ends. At the same time there are some fairly accessible places in this space where you can make 8-10% dollar-denominated returns without taking on significant principle risk. You just need the technical understanding to wade through the pond of ponzi shit to find the opportunities that actually make sense to you. But if you’re on HN, you probably have that know-how. So play to your strengths.

I think the arbitrage on futures contracts is something closer to 7% semiannually ATM (so closer to 15% than 10% annually). If that kind of thing is your cup of tea.