Nearly all of my money is invested in stocks and shares primarily in European funds but with global exposure. A mix of index trackers and managed funds. A small amount is in P2P lending platforms and a tiny bit on crypto. I am biased to Ethereum and Bitcoin with small investment in Neo, Xlm, Xmr, Ben and heaven help me: XRP. For me crypto is high risk gambling and I am fine. Only invest that which you can lose comfortably. But I agree, learning to save is in itself of value.