 If I'm you, I am not going to stay invested in crypto. The track record has been poo-poo over the long haul, so I would take that money out almost instantly. Are you guys investing in 401ks or IRAs, anything for retirement? Currently, my husband does have a 401k. Do you guys have any money set aside for savings that you can get to? Yes, $13,000 right now. You've got a good solid emergency fund, and then it's time to do some real investing. Crypto is gambling. Right.