How to save money on a ling term period? Well in my own opinion if you have your half of your money just invest in ICO or may be buy some token and hold it untill you can earn a good profit.
You always should save some money for yourself. It's the perfect time to invest when prices turn to red, but if you don't have money, you can't do anything.
It isn't true that invest all money in crypto. It just depends on drop of Bitcoin.