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@resjudicata Oh wow, so you held VTI for four years? VTI is best held in a retirement account; thus the reason why I (and many others) here keep suggesting a ROTH IRA. If you just want to gamble then buy lottery tickets or keep playing with crypto.

@resjudicata You said “last year”. But how is your crypto doing right now? I think the point he was trying to make is that your retirement accounts should be a much higher percentage of your crypto. I do have crypto, but it is less than 5% of my portfolio. My suggestion for your tax refund is to...