I have some money in the bank for normal expenses and an emergengy but am not adding any more, I am putting some away monthly for retirement that is going into funds and stocks. I know we are looking at a big downturn soon but figure since I started this recently the dollar cost averaging will make it all good when (not if) the markets crash. And that money gets a tax break as well.

the rest is going into crypto where I am diversifying as well
I am now also going to add more into the celsius app that has paid me my first 0.04 cent interest yesterday.

and do I sense a Flemish accent in there?? You sound "Belgian"