Should I convert all my currency to Divs / Exalts?

Do you need 1million exalts bro, go for it!

I'm not so financially educated, but isn't better to check the economy on ninja and spread your wealth to multiple assets that are indicating growth over the past few days?

You can then exchange the most profitable way as you need

Always convert your drops into better gear to get to end game farming.  In 1 day of end game farming you will make more currency than everything you have so far.  So until you are comfortable doing T16 6affix with waystones, and full Atlas points, convert every drop you get into better gear. 

This late into the league mid gear is cheap, but perfect gear is expensive. 

you’ll have a better time if you trade up to divs, use divs to buy gear, get gear good enough to farm end game, and you’ll make back whatever you spent and be able to craft sooner rather than later.

Crafting is a wildly expensive endeavor for very very very strong end game gear. Holding onto what you have instead of spending it just slows down your progress

A few divs and you can buy a T15 capable crossbow. After damage you basically just need to pump defense and elemental resistance. That is the foundations.

Without that you can't farm currency, omens and pinnacle keys efficiently.

Spend all your divs into buying the best crossbow you can afford and you'll feel a lot better moving forward. For example, my main is whirling blade titan, I was able to triple my damage from just spending about 4 divs.

Any gear you are going to buy on days 3-5 of the league will be worthless in the next couple of days, small remark. If you want to hold as much value as possible, convert your exalts to lineage gems like Rakiata's as soon as possible. You can double your div amount in a week. What I will suggest is to buy Hinekora's Lock as soon as possible as well. In terms of items, if you think only about wealth, there is no better piece of gear right now than Headhunter. This item can instantly double your damage and survivability, and instantly you can start doing the hardest maps in the game (breach, abyss). If you can get HH in the first 4 days of the league, you own the economy.

Thanks for all the replies. Will trade for divs and buy better gear!

Galvanic shards / Shockburst setup needs a tad bit of gear, it's kinda crap for league start. Explosive shot / Stormblast bolts build works incredibly better and can carry you to T15 and pinnacle bosses with ease. DM me your character name, I think I still have the crossbow I used for that particular phase unsold on my Ange, I'll give it to you to help you along :)