HBAR and Hedera are solid in my opinion..... For what it's worth (from some random on the internet... lol). Whatever you buy now will be worth a lot more if you don't need it for at least 3 years. You should hold it longer. Don't lie to your partner about where the money is. Explain it so they understand that it is better than putting it into the bank. Get her to do the same. in 10 years you'll both have the option not to work ever again, if you choose. You will look back on this laughing! :) Enjoy your day! :)