low rates? If your mortgage is above 4%, refinance that sucker (you should be paying extra towards the principal anyway to pay it off early, but refinancing still reduces your payments enough to more than offset the refi closing costs.)
same with any >60 month loans with an interest rate above 3.5%
You should only be saving just enough cash to pay for 6-12 months' worth of expenses. It should not be considered an investment vehicle.
The best (and most stable) savings vehicle right now is in physical precious metals: gold and silver specifically. You want this because you can keep it in a safe at home, and it won't be confiscated (w/o a warrant) by government agency or by negative interest rates.
Crypto is still in the Dutch Tulip Bulb phase, and is too unstable to be considered useful (yet). Dabble in it at your own risk.
low rates? If your mortgage is above 4%, refinance that sucker (you should be paying extra towards the principal anyway to pay it off early, but refinancing still reduces your payments enough to more than offset the refi closing costs.)
same with any >60 month loans with an interest rate above 3.5%
You should only be saving just enough cash to pay for 6-12 months' worth of expenses. It should not be considered an investment vehicle.
The best (and most stable) savings vehicle right now is in physical precious metals: gold and silver specifically. You want this because you can keep it in a safe at home, and it won't be confiscated (w/o a warrant) by government agency or by negative interest rates.
Crypto is still in the Dutch Tulip Bulb phase, and is too unstable to be considered useful (yet). Dabble in it at your own risk.