As a financial advisor I would advise you to make sure that you've got a sound portfolio already in place before you go spend all of that 10k in something that is very high risk.  You mention crypto being the "best returns" but there is no guarantee that this will continue to be the case, so make sure you keep that in mind.  Again, you must have a well diversified portfolio that is on track to meet your retirement goals before investing in things this risky.  If that is the case, I think people are crazy not to put most in bitcoin and ethereum.