<prompt> Human: Hi rpersonalfinance,I earned 40,000 from Spring 2017-Spring 2018 and I am projected to earn a minimum of 200,000 from Spring 2018 - Spring 2019. About half of this money will come from a contract position working with medical billing software. The other projected half is from my own web service where I have 20 clients each paying 400month. My number of clients could potentially double in the next 6 months, so 200,000 is somewhat conservative.The problem Im facing here is that one day my contract will come to an end - and one day my software will become obsolete. So even though Im doing well now, 2 years down the road I may not even have a job at all. My question is: How can I smartly handle this income which is likely temporary?I dont have a 401k or and other benefits from my employer - although I do have a roth IRA which I am maxing out. Other than that, I am looking into various cryptocurrencies and long-term stocks Visa, Mastercard, Amazon, and some ETFs. I live in NYC.  <response>: If youre self employed there may be e.g. sep IRA or something.If its possible, consider deferred compensation to spread that out over more years to lower your tax burden. Other than that, I am looking into various cryptocurrencies and long-term stocks Visa, Mastercard, Amazon, and some ETFs.Dont. Especially not the crypto. Unless thats money youre prepared to flush down the toilet. 