following cryptocurrencies for more than a year; fascinating technology and I ultimately believe it will complement the current banking system (perhaps replacing it...go Stellar!)
my conservative younger brother only equates crypto as a speculative asset to dump excess liquidity (never mind innovation, does not want to discuss it)
investing in crypto is extremely risky/volatile (I only invest $ I can loose)
examples: lost money on Kava (even with 20% staking on Kraken); am even on Stellar (amazing fundamentals/tech); made a significant return on Polkadot (another great project); regrettably, I had ignored BTC and ETH and only focused on cheaper alts
my current/future investments plans: weekly DCA investments in BTC proxies (coin, galaxy digital, and voyager stocks); DCA weekly into ETH and other top 10 cyptos only (prefer Solana, XRP, Polkadot, and Luna); I exclusively use Stellar for transferring $ between exchanges (almost free); I only utilize US-based, major exchanges - currently use only Coinbase Pro and Kraken; lastly, get the Coinbase Card - Visa debit card with 4% back in Stellar!