Putting 150k into a safe account drawing interest that’s not even gonna keep up with inflation is ignorant to me.... but no risk is good for some depending on their needs... the other 50k could and still can make the man some money in the short term... short term could be 3 months if he has a set goal in mind. No penalty for pulling out early on crypto when it’s on the up and up and you e achieved your financial short term goals. For others who invest, like I said before, crypto should be part of a portfolio... not your entire investment portfolio.