I also only have enough in the bank to get me through monthly bills and a few unpleasant financial surprises (ex: car transmission takes a bow). The rest is distributed between precious metals, cash, and supplies.
The way I look at it, this financial shakedown has a million and one different ways it could play out, and so I’m staying properly diversified.
The people at work are always shocked when I tell them I haven’t signed up with the 401k option, ‘but they match 6% of your contribution!’ I always give them some mysterious reason why I haven’t, like ‘nah, I do my own investing. 6% isn’t good enough.’
Can’t let them know I’m anticipating the myRA program going mandatory… the sheep might get upset… and you never want to scare the sheep.