The best possible way for you to do this would be

I> IF YOU ARE GOOD AT TRADING..

• keep 25% of your wealth in btc(can store it in a safe place like ledger
  or any good hardwallet you feel safe)/
• keep 25% in btc to trade the crypto coins and (convert every
  profit(only) to usdt till you want to cash out.
• keep 25% invested in crypto related IRA account if any is available in
  the US.( can also convert btc to steem through blocktrade and be
  invested in as your IRA account
• Last but not the least 25% goes to a company share
  untill you want to withdraw it and if they allow remove it through
  crypto as well.

II> IF YOU DONT WANT THE HEAD ACHE OF JUMPING HERE N THERE..!
* Keep 50% in BTC
* 25% in a promising alt coin which have a lot of
use cases in the present world and already the product is running and
working( Example; VERGE(also a privacy coin)
* 25% to trade anything you wish to trade crypto to crypto
* Dont put anything on government based accounts till they come up
with a better solution and a claer picture for everything .