Today,I would keep it liquid, in safe banks, possibly SOME in actual gold (no I'm not a gold freak). A foreign bank with better reserve policies might not be a

Today,I would keep it liquid, in safe banks, possibly SOME in actual gold (no I'm not a gold freak). A foreign bank with better reserve policies might not be a bad idea. Maybe some Euros or some other currency as a hedge, but that's it. Not to sound too paranoid - just put it in a bank or two that have decent financials, within FDIC limits. Stay out of the risk game for a bit. Then plan to spend the next 48-36 months watching and studying the real-estate market, and stay out of debt. When the shit hits the fan and prices hit rock bottom, those with liquidity will be king. Right now is not the best time on dumping money into risky investments (unless you really are prepared to take that risk - dumping 60k into really risky startups is more likely to cause you to lose 60k than anything else. it's called risk for a reason)