I did/am doing ok, compared to others here. I started in 2022 hand picking notes, and overall the interest rates you would realize in 2022 were higher than they are now (Apr 2014). The NAR for that money was about 10%-11% - I liked class A and B loans mostly so my returns are a bit lower than most.I also stopped investing new money in LC for 2.5 years or so, and just let the notes pay me back until I had actualized gains and then invested more in the past 6 months.These days I take the most passive (lazy), lowest risk option. I do the auto create portfolio with option 1 or 2 (1 is safest), no hand picking, and only 3 year term notes (I don't like tying it up for 5 years in higher risk stuff). And this is currently about an 8.5% NAR but might slide down to 7% in the next 3 years as the remainder of my higher interest rate loans from 3-5 years ago mature. This is comfortable for my goals/risk tolerance and I feel like overall it has been a positive experience and I feel good about the choices I made with LC. No regrets on strategy.Also if you like the conservative/low maintenance investment approach, don't put more than 20% or so of your money in LC - the rest should be in typical 401k type investments, hopefully with employer match, and hopefully offering you stock index funds/life-cycle funds (Vanguard has excellent offerings for this).