Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

I have $10,000 sitting in an account making around $1 per month interest, what are some better options? 
What is your risk tolerance?  Personally I invest about $5k in digital currency as an experiment. A lot of people told me I am stupid, which I agree at some point. I plan to let the money sit for 5~10 years. I can tell you there is a lot of emotion in the digital currency though.