Was thinking about starting to add silver and gold bars to monthly buys along with BTC and other assets. I want to make sure I have every dime I own invested in something other than fiat and use a loc when I need to spend money then sell the assets later or pay it back with income from the assets. Having a negative cash balance slightly will put the USD depreciation in my favor since my "emergency fund" will be in investments not cash but will be convertible to cash easily. This way my cash does not rot like so many people who keep cash as a emergency fund just to let the PP die over the years. Would rather have my emergency fund in silver and gold and btc as well as stable coin swaps to earn higher yields than the banks give as well as invest directly on international stock exchanges to get exposure to other economies as well so my assets will float against a basket of different currencies instead of just the USD. Im not sure why ppl keep so much cash on hand when it literally just loses money at least put it in something that is basically as liquid as cash and can be converted or borrowed against and then later converted to repay the loan. Usually those type of loans can be obtained at low rates like a HELOC rate. I know IBKR loans margin loans at like 6% now which is super low and if you use it only up to like 10% of the portfolio to cover expenses then use dividends and sales to pay off any credit card bc you might as well use those to get the points and cash back as well as new cards deferred periods where you can use there money free.