the system is unsustainable. once/if you come to that conclusion, you'll also likely come to the conclusion that physical precious metals, if not the best, is the most efficient way to save one's excess productivity. since no one can predict when the system will fail, some savings would be better suited to other speculations/investments.

also, on a truly basic level, energy is the economy/wealth. i don't mean just oil, but oil, electricity, fuel, calories, etc. without cheap excess fuel/energy/food, there is only basic sustenance in any society.

what i'm saying is have pm's, invest in energy, utilities, mining, consumer non discretionary, ag, etc. and do some calculated options with the dividends.

i learned the following on YT and it helped me a lot. first, think of ways to increase your income/savings. when constructing your portfolio, think of it like constructing a soccer team, allocating percentages for defense, midfielders, forwards, goalie, and bench.

i'm quite tired, but made a semi long response, cause your post resonated with me.