Nice call on the stock market crash! A lot of good points you make here, especially the one about having some cash on hand to take advantage of unforeseen opportunities.

About a year ago we moved all our money from stocks to crypto, and current financial breakdown looks like this:

• 90% crypto, fairly well diversified
• 5% Acorns
• 5% cash on hand

We definitely should have sold more coins in Dec/Jan or converted to Tether, but we got caught somewhere between being noobies and holders and couldn't pull the trigger. If the cycle continues at the end of 2018, hopefully we can put this experience to use.