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Invest in both Ripple and Cardano.

As with every investment, there is some risk involved. Just remember to old invest what you're willing to lose. Otherwise, have fun and good luck! :)

It is disposable income for them. I've been very successful with my own money. I just get so paranoid when thinking about investing theirs.

The Ripple network is here to stay, but it's tokens are just riding the bitcoin wave. I wrote my opinion about it some hours ago! ;)

I appreciate your input. I disagree, xrp allows a significant increase in speed and savings on their network. Any you like longterm?

Working in IT myself, I see the Ethereum as a great solution as it allows for example smart contracts easily. So businesses will start using it more and more for their daily operations, to save money and to be more transparent. Therefore I'd put my money there in the long run.

When most of our parents have crypto then: sell, sell, sell!