After studying hyper inflation in Germany, Africa And elsewhere, i cap my cash at a low amount on hand (enough for smoking deals if I find em, and emergencies), I have another cap for what I keep in the bank (keep in mind, this value is ZERO if there were a nationwide power outage due to any number of factors, including an attack from the pricks running China), and the rest is invested in tangible goods. Guns, ammo, tools, house/rentals, etc. These things keep their value when cash is worthless. Remember what the native Americans say, when the grass and the Buffalo are gone, you can't eat money.
If I'd needed to sell guns or ammo, I could have profited nicely during the pandemic. By rights, I probably should have.
I do still put into retirement accounts, namely to max the employer match, but of the three times I've had this option, only one was worth it, the other two lost more than the employee match was worth. I don't count on having this money when I retire, just like I doubt social security will still exist.
But I also figured I would be dead by now.....
