It is always a good idea to invest most of your savings into traditional accounts; equities, bonds, real estate.  You should keep a small amount of wealth in fiat for emergencies (medical, accident, etc.). As for crypto, it is probably a good idea to invest a small portion of your total liquid wealth because of the high volatility associated with cryptos.  If your employer has a 401k or other retirement fund, you should be utilizing those benefits to the fullest each year.  Traditional assets will outperform inflation yearly and consistently return growth on your funds on a yearly basis.