>>> Keeping money in the bank (especially in the US) is just dumb I don't think holding cash is dumb. You get the freedom of timing when opportunity presents i

>>> Keeping money in the bank (especially in the US) is just dumb I don't think holding cash is dumb. You get the freedom of timing when opportunity presents itself. The question with cash is: How to get significant yield (>4%) for your savings risk free? DeFi carries risks that simply aren't present in traditional asset classes. Popular "annuity" products providing downside insurance typically have onerous conditions. Physical Gold is subject to cultural shifts (as well as theft). Real estate is a full time responsibility. My bias is to raw acreage. Passing it down generation to generation ad infinitum. There is no magic bullet. But I think the idea of an energy-backed currency is the future. Think: Wyoming ranchers leasing to wind harvesters.