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Good to spread and keep separate, another I firmly believe in in fiat cash stashed somewhere in the home, no interest but a safety net. We have experienced how quickly the rug is pulled from under ones feet, when hard cash is a must have to buy essentials.

We have a safe that we keep cash in for those times that we suddenly need it. It has come in quite handy over the past decade.

Something we have always done, weary of banking and others....