I don't want to upset you, but the annual inflation around 3% will eat up all the profits and won't choke, and if somewhere you have to pay income tax, about 20-30%, then it will be really sad

Guys, thanks for the advice - I decided to distribute my $10,000 like this:
• $2,500 (25%) - flexible savings products with stablecoins (USDT/USDC). Low risk, goal - liquidity. Exp. income ~3-6% per annum → ≈ $6.25-$12.50/month.
• $3,000 (30%) - dividend ETFs / large stocks. Medium risk, dividends + capital growth. Exp. income ~2-4% per annum → ≈ $5.00-$10.00/month.
• $1,500 (15%) - short-term bonds / bond ETFs. Low-medium risk. Exp. income ~1.5–3% per annum → ≈ $1.88–$3.75/month.
• $1,000 (10%) — staking / lending cryptocurrencies (partially BNB/ETH or fixed-rate stablecoins). Higher risk, but higher profitability. Exp. income ~4–8% per annum → ≈ $3.33–$6.67/month.
• $1,000 (10%) — P2P / lending platforms. Higher risk, higher profitability. Exp. income ~6–10% per annum → ≈ $5.00–$8.33/month.
• $500 (5%) — REIT / real estate crowdfunding (dividends). Average risk. Exp. income ~4–8% per annum → ≈ $1.67–$3.33/month.
• $500 (5%) — cash / bank reserve (emergency fund). Liquid, almost no income. Expected income ~0–0.5% per annum → ≈ $0.00–$0.21/month.

Total: $10,000. Approximate passive income — ~$23.13–$44.79 per month (i.e. ~2.8%–5.4% per annum).
I deliberately left some in safe instruments for peace of mind and some in more profitable but risky ones#BTC #ETH $SOL $XRP $BNB