A friend or family member who is important to you called and said:

"You are taking a finance course. I have $25,000 to invest and wonder what you think about investing in crypto currencies. What should I do and expect if I invest."

In five sentences or so (no more than 10), what would you tell your friend or family member. How much should they invest (if any) and what are your reasons for and/or against investing in cryptocurrencies. Your advice may be bolstered by citing experts and their point of view.