Focus Friday - Crypto

2 min Read ⏰

Let’s talk crypto. If you’ve been following along, you know I’m big on financial independence. Smart investing. Balanced portfolios. But here’s the kicker: 48% of my total investments are in crypto right now.

Yep. Nearly half.

How did I get here?

• A mix of leaning in when the market was down… and watching those bets take off over the last 15 months.

• Some planned, some not so much. Compounding works both ways.

Now, let’s be clear—this is NOT what I recommend.

What I’d Advise (Not What I Did)

For a well-balanced FI portfolio, I suggest something closer to:

• 60% Core (Index funds, ETFs, real estate, diversified equities)

• 20% Growth (Stocks with higher upside, REITs, alternative investments)

• 20% High Risk (Crypto, startups, speculative plays)

Crypto is volatile. It’s high risk, high reward… sometimes. The 20% allocation keeps it as a strategic part of the portfolio—without letting it dictate your financial future. The challenge is keeping it at 20%. Taking hits as losses and selling those gains can be difficult. Especially with the constant FOMO and what ifs of crypto twitter.

Also, for a more sane take from my broader financial habits check out this post from November - Take Your First Steps and Start Building

Where I’m At Now $$$

• I’m overweight in crypto. That’s obvious.

• Am I adjusting? Yes… but not yet. Ask me again in September.

• We’re in a cycle, and I’m letting it play out before making any major shifts.

What’s Next?

A key principle of FI is knowing when to rebalance. So while I’m riding this wave, I’m also planning my next moves carefully. End of this year, I will be back to 20% for sure.

As ever, not financial advice… 😉

Are you in crypto? Or the meme trenches? If so, what’s your allocation? Drop me a reply— I want to hear how you’re balancing risk vs. reward.

^{NOTE: I am not a financial advisor, planner or have any formal healthcare education. &Prosper is simply a way for me to share my own journey and offer resources I have found useful. With this, I am starting from near zero and I hope to show that anyone can significantly improve their health and financial wellbeing.}