Thanks for the thoughts. I'm pretty heavily invested in ammo, ha. I have a little silver in 1 oz. coins, no gold. I have a few hundred $ always on hand, just thinking about how a larger ready emergency fund may make sense - but don't want it tied up in a bank. The other problem is that cash continues to lose value as inflation goes up, so I guess part of my thought process is, is there a way to hedge against inflation but still have instant access to your resources?