Metals will always be one of the best sure things, especially with the way the world is working lately I would always say have a little for the just in cases. I am also kind of a late starter, though I have been knowing of Bitcoin since 2013...even bought a DVD back then because they only accepted Bitcoin lol...think that DVD is worth thousands on top of thousands and I don't even own a DVD anymore, just blurays lol. I got heavily into it since last Nov or so. I even did some work the last few month with PIVX in their marketing but the budgets didn't make it so at this stage regrouping to figure other avenues of crypto income. Steem seems to me to have a huge potential...just because its a real world usage case you don't see a lot of in crypto....all I do is keep powering up...figure bank back the Steem as much as possible so I can have my future self thank me for now lol