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I will let this be my guide, will wait till the Buy has the highest vote. Money investment need to be carefully planned. This is just my plan, you can advice or give it kudos.

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Be good to hear thoughts on XLM, both good and bad?

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Side job or any available venue to earn extra may allow you to improve your financial capability, but it's in need
for you in also budget yourself and try saving and not to overspend your extra earnings.

It's on you, if how you will manage your extra income, more on self-control and wise choices of investment.

Here is my bold assumption. As the recent cryptocurrency prices continue to drop dramatically, the whole market needs a big time and force to embrace a new bullish period. As the US strengthens more regulations, more money is looking for a new place to flow into. Recently, Hong Kong held the Web3 festival to show their determination to build a crypto hub in Asia. The new rules and favorable policies on crypto will be implemented in this June. I firmly believe that as long as the new window opens, endless hot money from China mainland and all over the world will be flooding into the crypto market in Hong Kong. All cryptocurrencies will see a bull run for a while. By the way, our project FireDAO is in progress and please feel free to contact me should you have any inquiries.

For me staking stable coins are worth it even though the percentage of profit is not that much but still it is a profit. If you are still undecided to invest your stable coins to your chosen currency better to stake it. I myself do stake stable coin while waiting for the price drop of crypto currencies, we need to wait for the proper timing to invest. Waiting will be all worth it if we could buy crypto currencies at low price and let us just wait for the bull run for us to be able to harvest our profit from our investment.

Crypto is full of miracles, we don't know what will happen in a matter of seconds, a little hope for Luna returns to normal, I think it can be but it is very heavy, for those who still believe in Luna, please continue to hope