Yeah, don't worry about it too much, it's all just experience to learn from; often we learn most from our mistakes so don't fear making some. I've been here on Steemit for about a year and a half, on-and-off, and only in the last couple months have I bothered to even do anything with my post earnings. As long as you're making things work in life otherwise, you can take whatever courses of action you see fit. If you decide to move steem/SBD into other things eventually, diversifying is a good idea. I would suggest doing some cursory research on the top 10 cryptocurrencies at your own pace, and then deciding for yourself how to spread out your investment. Good luck in your process!