It would be a total bummer if it went to .05, but yes it is super important to diversify. If you're earning on your posts learn about other cryptos and make some investments in the ones you wish to support. I personally think monero will be very important moving into the future. If steem keeps the ability to create psuedoanonimty and anonymous account creation as well as making it easier for many witnesses I believe it has a strong future. Definitely don't put all your eggs in one basket and only risk what you are willing to lose. True wealth is in relationships, and skills I think. Always keep building new skills and positive doers to surround yourself with.

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