CRYPTOS - I was admittedly a skeptic for a long time as well. I didn't get into them until this past June, and even then I tiptoed in.
While I love trading them because price discovery is much purer with supply and demand dictating the prices (no Market Makers, no shorts, no options), I kind of use the Warren Buffett methodology of looking for crypto companies with good management and good value propositions (based on what their blockchain technology can offer) and use that to separate the good coins from the cruddy coins.
If you don't have a set of these you best put your money in a CD.