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Portfolio Check · by Haruto Sato · 2026-10-06

new grad bonus hit and somehow I became 22% crypto

First job out of college, signed offer, got relocation + bonus, and made the extremely online mistake of saying I'll just put a chunk into BTC and ETH while I'm young. A year later the chunk plus price moves turned into this:

401k target date 18% of assets
Roth index funds 20%
taxable VTI/VXUS 32%
BTC 15%
ETH 7%
cash 8%

I'm not ruined. I am, however, annoyed that my clean adulting plan turned into a mini casino before age 23.

26 sparks · 6 comments

Comments

Elise Peeters · 9 likes

The good news is 23 is an amazing age to do a boring reset.

Lucas Silva · 1 likes

Sell enough so future-you stops cringing when opening the app

Alma Nilsson · 6 likes

Yes, the cringe is now stronger than the FOMO, which feels healthy.

Tiny Panda · 8 likes

You're not even in terrible shape, just in need of a trim and a lesson.

Priya Nair · 2 likes

mini casino is exactly the right phrase.

Valeria López · 1 likes

This is how lifestyle inflation looks in finance-bro clothing.