You are so kind Hive account@theminimalists! I share your enthusiasm over the potential of a nice crypto portfolio to do far more far more for me than a block of fiat-based fixed income holdings when I will need to spend down the capital in future years (God willing re. both health and longevity), and over the potential of community-based cryptos to lift people out of abject poverty at various places around the world. (This latter assumes that those community economies will evolve to the point that there will be minimal need for people to cross the bridge between crypto and fiat to buy bread and pay rent.

Re. my crypto holdings today, I have three copies of my private and public keys on paper, and on an external hard drive and a USB drive, neither of which are accessible to hackers for anything more than a few minutes at a time. The only pieces I have at an exchange more or less indefinitely are the few dollars locked in Steem Power.

P.S. I hope you are already or are planning to get nimble on one or two of the decentralized exchanges (at this point I have only plans but they will be implemented very soon -- two of them: Bitshares and Bisq). There are so many stories on the Net now about people not having access to their stuff at the exchanges at the most awkward times.

Re. Bitshares, I have spent several hours digging through the literature about their problems, going back to big debates about their “failure” during 2015. I feel their DEX has a solid future, except there is a good bet SEC will declare BTS to be an illegal security. I am wondering the Bitshares Foundation will be forced to take BTS off the market when that happens. (BTW, I read that getting SEC approval for your security offering costs about $300,000, so I wonder why @Dan’s dad doesn’t cash out some his crypto holdings and get on with seeking SEC approval for BTS.)

Anyway, if you see a key reason why my optimism on the future of the Bitshares DEX needs to be reconsidered do let me know. Also, I read a long and learned exchange in Reddit where it was agreed among the discussants that STEEM also faces the same fate as BTS, regarding SEC eventually declaring it to be an illegal security based on the Howey test.

I am new to cryptos only as a holder of the stuff. I was studying books and educational videos about bitcoin and blockchain back in early 2015; but until I stopped my active stock options trading in fall 2016 I never had any interest in buying cryptos.
Cheers!