Great advice! My grandfather put a smallish amount into a mutual fund for a rainy day stash in the 90s...my grandmother has had close to $40k in mandatory withdrawals (thanks, gubment) and still has 2.5-3x the original deposit. It's a waiting game...as mentioned before, if you don't gamble on...
I do 25% into my 401k. I keep most in a target retirement age fund but play with 30% pretty hands on. A couple of US mid-cap equities have been doing great since we got a businessman in the White House. I still haven't jumped into crypto, but my son (11-year old) wants to invest in precious...