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How is this different from a pros and cons list?

Traditional pros/cons lists treat all factors equally and rely on your in-the-moment thinking. Dcider weighs options against your pre-defined personal values, providing an objective alignment score. The AI also surfaces considerations you might miss and tracks patterns across all your decisions over time.

Does the AI make decisions for me?

No. Dcider provides analysis and alignment scores, but you always make the final choice. Think of it as a thinking partner that helps you see how options align with what you've said matters to you. The goal is clarity, not automation.

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What kind of decisions is Dcider best for?

Dcider works great for career choices, financial decisions, relationship questions, health and lifestyle changes, and any decision where you want to align your choice with your personal values. It's especially helpful when you're overthinking or facing analysis paralysis.

How do I set up my values?

When you first open the app, you'll go through a quick onboarding where you select values that matter to you (like health, family, growth, financial security) and rate their importance. You can always adjust these later in Settings.

Is Dcider available on Android?

Currently, Dcider is iOS-only. We're focused on making the iOS experience great first. Android support may come in the future based on demand.

FinanceUpdated Jan 2026

Should I Buy Cryptocurrency? A Values-Based Decision Framework

You've watched crypto make some people rich and others lose everything. The fear of missing out battles the fear of losing money. You're not sure if crypto is a revolutionary technology, a speculative bubble, or something in between—and everyone seems to have strong opinions.

Key Takeaway

This decision is fundamentally about Risk Tolerance vs. Speculation vs. Investment. Your choice will also impact your technological conviction.

The Core Values at Stake

This decision touches on several fundamental values that may be in tension with each other:

Risk Tolerance

Your capacity for extreme volatility. Crypto can drop 50%+ in months—can you hold through that without panic selling?

Speculation vs. Investment

Your philosophy about what you're doing. Crypto is speculative—no cash flows or dividends. Be honest about whether you're investing or gambling.

Technological Conviction

Your belief in blockchain technology's future. Strong conviction helps hold through volatility; weak conviction leads to panic selling.

Diversification

Your approach to portfolio construction. Consider how crypto fits with your overall investment strategy.

FOMO Resistance

Your ability to make decisions based on your situation, not others' gains. Fear of missing out drives poor timing decisions.

5 Key Questions to Ask Yourself

Before making this decision, work through these questions honestly:

1Am I prepared to lose 100% of what I put into crypto?
2Do I actually understand what I'm buying, or am I following hype?
3What percentage of my portfolio would this represent, and is that appropriate?
4Am I buying because I've done research or because I see others making money?
5Do I have my financial basics covered (emergency fund, retirement, debt) before speculating?

Key Considerations

As you weigh this decision, keep these important factors in mind:

Your overall financial foundation (emergency fund, retirement savings)

The percentage of your portfolio you're considering for crypto

Your understanding of what you're actually buying

Tax implications of crypto gains and losses

Security of how you'll hold your crypto

Your emotional ability to handle extreme volatility

Whether this is money you could afford to lose entirely

Watch Out For: Recency Bias

We overweight recent events—crypto going up makes us think it will keep going up. But past performance doesn't predict future results. Crypto has had multiple 80%+ crashes. Don't assume recent gains will continue just because they've happened recently.

Make This Decision With Clarity

Don't just guess. Use Dcider to calculate your alignment score and make decisions that truly reflect your values.

Download on the App Store

Frequently Asked Questions

Is cryptocurrency a good investment?

It's highly speculative, not a traditional investment. Crypto has no underlying cash flows—value depends entirely on what someone else will pay. Some allocate 1-5% of their portfolio to crypto for potential upside while limiting downside. More than that approaches gambling.

How much crypto should I buy?

Only what you can afford to lose entirely—this is not an exaggeration. Most financial advisors suggest 0-5% of portfolio for highly speculative assets. Have your financial basics covered first: emergency fund, retirement contributions, and no high-interest debt.

Which cryptocurrency should I buy?

If you're going to buy, stick to established options like Bitcoin or Ethereum rather than smaller altcoins. Smaller coins are even more speculative and prone to scams. Never buy crypto you don't understand because someone told you it will moon.

Is it too late to buy crypto?

Nobody knows. Crypto could go to zero or multiply 10x from here—anyone claiming certainty is lying or selling something. The question isn't timing but whether it fits your risk tolerance and portfolio strategy at all.

Related Decisions

Should I Invest or Save?

You've accumulated some money and face the eternal question: keep it safe in savings or put it to work in the market? The fear of losing money battles the fear of missing out on growth. You want to make a smart choice but feel overwhelmed by options.

Should I Hire a Financial Advisor?

Your finances are getting complicated—or you just don't want to deal with them yourself. But you've heard horror stories about bad advisors charging high fees for poor performance. You're trying to decide if professional help is worth it or if you should just DIY.

Should I Start a Budget?

You know you should budget, but the idea feels restrictive, overwhelming, or like admitting you're bad with money. Past budgeting attempts may have failed, leaving you skeptical that this time would be different. Yet you're tired of wondering where your money goes.

People Also Considered

Similar decisions in other areas of life:

Negotiate My Salary Go to a Coding Bootcamp Quit My Job

Sources

Liu, Y., & Tsyvinski, A. (2021). Risks and Returns of Cryptocurrency. The Review of Financial Studies.doi:10.1093/rfs/hhab029
Bouri, E., et al. (2017). Herding behaviour in cryptocurrencies. Finance Research Letters.

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