Regarding crypto, I agree that there’s definitely a fad around crypto since there’s a spotlight on it and billionaires like Elon Musk are tweeting about it and that there are a lot of useless cryptocurrencies out there. However, I think established cryptocurrencies like Bitcoin, Etherium, and possibly Dogecoin (although I am quite bearish on that one) are here to stay, and we could likely see the Federal Reserve roll out a cryptocurrency of their own. The ability to track purchases on the blockchain I think is too great for the powers that be to dismiss it. I wouldn’t dump all your physical currency just yet, but investing some extra money in an established cryptocurrency could be well worth the investment if we fully move away from cash. On a related note, NFTs are a f**king joke, don’t waste your time or money on them.
