I've yet to actually invest in any crypto apart from the Steem I've earned here. I'm not sure I will as I'm pretty risk averse. I would need to spend time researching which I don't have time to do at the moment.
I'm learning a lot by being here though so maybe I'll learn enough to take the plunge.
This is a key point of your article I think. I found it very helpful.
No-one has ever been knowingly 'early'