Im in the same position as most of you. Just keep operational money around. The rest is invested in things I need. Really happy we bought the land / build the homestead right now. Otherwise I would have felt uncomfortable just saving that money.
Right now pretty much what comes in, goes out every month. I hope I can save a bit again in the coming month but then this will be reinvested in something physical (more likely building something more on our land, getting all the preps ready here).
Since 2008 when it became pretty obvious what kind of crooks run the banking system I didn’t feel good about banks. I want to deal with them as little as possible. Same with the government. I don’t need anyone interfering with my life.
Alea iacta est ("The die has been cast")