This whole crypto thing is like any other investment I am finding. If someone has money and invests, they make a ton when it goes up... They dump and things crap out for a short while. What I am finding as a positive with crypto though is the ability it gives even a first time wet behind the ears investor like me a shot at making some $$ in the short and long term with little start up.
I will just say it how it feels inside, invest what you can, cash out SOME not all of your investments, pay off all your "debt" and let the remaining investment work for you. Seems simple enough and with crypto I think its possible.