For the coming year, people need to be paying attention to the markets and ready to move fast. Unless you are already pre-positioned in a few good coins (everyone has their differences of opinion here, but Top 20 Market Cap are good choices), I think we'll finally start to see some major disruptions of the broader financial markets and currency crisis that people have been expecting for so long. When the current USD system starts to fall apart, having your money in the correct positions and moving it to where it will give you the best returns could get tricky. Markets move so fast that it's hard to keep up. For the most part, I stay in physical silver and some cryptos. Keeping dollars in the bank seems like just asking for trouble.