Thanks @cryptoeagle. Diversification and only using disposable income is a good idea. I think you also need to calculate how much money you need in fiat reserves, before you can decide on what amount is disposable. In my country (The Netherlands) we have a website where people can calculate the amount of emergency funds they need to pay for calamities. Think about a washing machine that breaks down, unexpected repair jobs and loss of income. They made a buffer calculation tool. I'm thinking of incorporating some of their strategies.