21 and sitting on $200k from crypto… what now?

Hi everyone,

I’m 21 and, honestly, I never thought I’d be in this position. Through crypto, my investments have grown to just over $200k. I realize this was a mix of timing and luck, and I don’t want to gamble it away or make reckless choices.

Up until now I’ve never had this kind of money, so I’m a bit overwhelmed about what to do next. I know many here value long-term, disciplined investing, and that’s why I wanted to ask:

• If you were in my shoes, how would you allocate $200k at this age?
• Should I immediately move this into something safer (index funds, retirement accounts, etc.), or is there a smarter path for someone just starting out?
• Any advice on setting up a foundation so I don’t squander this opportunity?

I’d really appreciate your perspectives. I know $200k isn’t “life-changing” for many here, but for me at 21, it feels huge and I don’t want to mess this up.

Thank you.