My current investment portfolio is solely in stocks, options, and crypto.

I took a chance on a crypto investment about 5 months ago.

The books below have not really “taught” me a single thing for Real Estate Investments but it has most definitely changed the way I think (outside the box) about currency, 401k’s, cash flow and taxes to say the least.

These include: The Office of the Comptroller of the Currency (OCC), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) and the banking departments of various states also regulate financial institutions.Traditional Bank Cons:Possibly Lengthy Application ProcessStrict Underwriting Guidelines including financial documents to support debt to income ratiosLonger Underwriting Times that can go between 45-60+ days depending on property.Private Lender Pros:Fast & Easy Application Process due to being asset-based lender.Credit Score less of a factor as the weight is based on ability to make payments and not debt-to-income ratios.Generally quick funding turnaround between 5-10 business days. 

They say the future is in discounted stocks, in apartments, in crypto, in agriculture, in marijuana etc.

When it’s smooth sailing, we tend to float along, feeling good about ourselves and our investments in real estate, the stock market, crypto - any asset class. 

Imagine you were a Chinese billionaire, and you desperately wanted to move as much of your money overseas because of uncertainty in your currency. 

(checking, HYSA, HSAs, 401k, Roth IRA, crypto, etc?)

We do have some cash investments (stock/crypto/etc) but I really don't want to tap into those before EOY 2025.  

Also, I would just consider the crypto as unreachable as well - the whole point of crypto currency is that it's supposed to be protected from fraud, seizure, third party control, etc, for whomever holds the keys.