Hey Joe, I reserve 10% of my finances for speculative investments like private equity and crypto. My own opinion though-is this percentage should be different for everyone depending on risk tolerance and circumstances (I don't have any kids as an example). Someone that has 3 kids and a household income of $50k a year shouldn't spend 10% on speculative investments (in my opinion). I am considering a podcast or a Tik Tok, as I know short/consolidated information on Tik Tok could be very helpful! Do you have preference of short/consolidated information vs. a podcast? And so cool you are in Texas too!!!