with 16BTC, you can have a sound strategy of putting 10BTC in "stable" alts (top 10 market cap on coinmarketcap, LTC and co...), 3BTC on smaller caps (still in the top20), and 3BTC to play and take some risks (ICOs, low MK...)
It's up to you man. YOU DECIDE :-)
Edit: 200k of assets and "middle class": you live in the Silicon Valley ?
Maybe I'll consider divesting 10 more BTC in other alts... but BTC is where it's at.... when BTC moons (and it WILL) I will hate myself for not holding more BTC. Alts might get crushed when BTC moons so that's risky too.
And lol... I wish I lived in Silicon Valley... I would be dirt poor in Silicon Valley. $200k would be gone on rent alone in 2-3 years.
You are already rich. What else do you want. You keep loots of digital dreams. If you can afford all this you are not just rich but really really rich.
No I'm not... what else do I want? How about $1M... that would be a start. I am no where close to being rich in the US