That is a good point... cryptocurrencies can be split up into very small incriments to where anyone could afford.  I think the most important you already have listed.  I like how people here are trying to balance their portfolio (sounds like such a rich term).  I remember back when I was saving for a car at 16 MANY MANY years ago and all I cared about was the # i had in my savings account, then you get older and realize there is so much more than just having cash that determines your worth.  I'm very glad I learned as much as I did about investing into metals. The next thing I really would like to have is a house and land, both of which I will say I'm totally failing at .  Must wait to finish school first...