For the more 'Mainstream' adoptees amongst us: I highly recommend the 'Donut' app and 'Fold'. Very easy DeFi adoption in Donut (I use it as a random depository Savings Account. Minimum 4% returns. Up to 10% for more aggressive allocation - this is DeFi so there is always risk the more percentages you seek and the less you know in the Dev Team) and extremely easy and friendly Bitcoin (satoshi) accumulations via online and in-store purchases using the Fold Debit/Credit card. An appropriate 2021 version of the 'Cash Back Rewards' or 'Airline Miles' programs. I use both. Both have very good customer service - which is always noteworthy for me in Crypto. Additionally, I have friends currently using the BitcoinIRA.com offering. They love it. They earn a set Interest rate with their Bitcoin hodlings and they also experience the Gains in BTC on top. This is a fairly conservative option but good for those wanting to move part of their IRA allocations into a different asset. Apparently, their customer support has really been a plus. Again, always noted. For DCA (Dollar Cost Averaging), at a set time and at a set allocation amount: Swanbitcoin.com has received very positive reviews amongst people I know. As for myself, I am currently dabbling in the Osmosis Lab with a fraction of my Atoms stash. I love the Cosmos Ecosystem. I know Devs on different teams and this is a Group very into meaningful stuff and ease and community governance models. I have, to date, experienced nothing but positive things within the greater Cosmos Network. The Osmosis Lab is their version of an AMM and their Liquidity Pool and Keplr to Ledger wallet synch is quite easeful to date. Not for a newbie, per se, but all in all a fairly simple process. This isn't like setting up a Master Node synch in 2018. FFS, I have war stories. LOL. Anyhow, hope the cryptos are flowing bountifully for all of you.