As i said in my post , i am not qualified to give financial advice so give it much thought before you decide. One thing I can tell you, with the "bank bail in" and relatively flat interest rates popping up everywhere, your dollars are probably safer under your mattress than in the bank ( please don't do that lol) My fiance and I gave it much thought and we are spread out a little all over. first, pay off all debt and credit cards if you have any .We keep 6 months worth of living expenses and a bit extra ( some in the bank some physical cash in a safe location) in case of emergency or job loss along with a supply of dry goods and other non perishable food . Anything pass that we convert in hard assets. We chose silver because of it's potential for gains and it is also an industrial metal and easy to sell in a hurry. Affordable property can generate passive income or used to grow food, not a bad choice but may be difficult to sell in a crisis/hurry if you need cash now. We have pension plans but remember it is still attached to the banking system and will devalue long term with the dollar. We are also entering the crypto market. Do your research and make an informed decision on what fits your motive or goals the best.Don't put yourself in a position where you would have to sell in 6 months or a year because buying has small premiums and selling will cost you a few dollars below market value of precious metals. Don't put all your eggs in one basket. Diversify.