A YouTube thumbnail with a green background featuring a subtle gradient from dark green at the top to light green at the bottom. At the center, there is a person with a worried expression, holding an empty wallet. On the left side, there is a large yellow alert icon (⚠️). Above the image, bold black text says: 'What if it happens now?'. In the bottom right corner, there is a discreet 'Investe Já' channel logo. The background has a subtle texture for added depth. The text and elements have high contrast and are clearly visible.

(worst quality,low quality:1.4), (depth of field,blurry:1.2), (greyscale,monochrome:1.1), 3D face, cropped, lowres, text, (nsfw:1.3), (worst quality:2), (low quality:2), (normal quality:2), normal quality, (grayscale), skin spots, acnes, skin blemishes, age spot, (ugy:1.331), (duplicate:1.331), (morbid:1.21), (mutilated:1.21), (tranny:1.331), mutated hands, (poorly drawn hands:1.5), blurry, (bad anatomy:1.21), (bad proportions:1.331), extra limbs, (disfigured:1.331), (missing arms:1.331), (extra legs:1.331), (fused fingers:1.61051), (too many fingers:1.61051), (unclear eyes:1.331), lowers, bad hands, missing fingers, extra digit, bad hands, missing fingers, (((extra arms and legs)))