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Crypto in its entirity is up & coming. It's true there are plenty bad and mediocre projects out there. Some, though, will make it big time. The years ahead will mark mainstream adoption for top projects. It's possible to skew risk to one's favour through education. I started my first hesitant steps in 2017.
I prefer to use cash savings account. It seems like the most comfortable and safe type for me. To calculate all my savings in advance i use this site NerdWallet, just because it`s enough simple to calculate in comparison with other sites.