I agree with financeguy. You don't want to be "cheap" but you don't want to be foolhardy. An old thing I've heard was "take your age and subtract it from 100 - that number should be help with aggressiveness" I don't know how true that is but its pretty alright especially if you're young. Now that I'm older. I try to think in terms of being a bank. I do have a lendingclub account which pulls in about 6-8% a year. I also put just a little away in silver bullion for inflation. And then I do a some divis and like financeguy, i use cryptos as speculation and almost consider it like casino money - i go in willing to lose it --- not trying to lose it, willing to lose it emotionally.