Okay, best advice is get rid off them money because If you know what money really is - If you been study esoterical secret spiritual knowledge you would know- but sure people don't want to study they prefer someone will study and then "doing some baby sitting for them"
You are right bro, I want to say something, those who do not want to study can never improve in life. And those who do not study and depend on others person, others person will study and do something good for them, I think people with this kind of mentality are living in a state of fools. The best way is to achieve something by working hard and using your own talent, not by depending on others.
So If you got money like 10-20k on your bank account it's bad it's really bad, it should be on tangible assets, the best wealth plan will be how to get rid of the money the real wealth comes when you start mindset to exchange money into real things like crypto off course.
If we talk about this investment, then I always support investing in Bitcoin in the world of crypto. I do not think it is good to invest in anything other than
BTC in the world of crypto. Any coin other than Bitcoin seems worthless to me. (What is worthless to me may be valuable to others, it is natural)