Luckily, we don't have to have it all in one form! As for myself, I convert half of my remaining disposable income into precious metals every month, the other half in fiat stack. It takes a lot of discipline in my part to hold fiat as it is so easy to spend. I just know that I have more value (wealth, if you may) that I physically hold now than when I started stacking, and I have more fiat savings now than when I started stacking. It is a paradox: Buy to save.