May be follow the idea.
The money you have and need now -- Don't invest in crypto or anywhere
The money you have and need sooner---Invest Conservatively
The money you have and saving for later and passing to your bloodline--Take a portion of it and invest it aggressively may be in CryptoCurrencies .

I read it on a blog. He says your own financial situation varies from the fellow next to you. So be vigilant and access your situation and have a plan.