The dollar is going to die, so you keep 30% in cash as a remedy?
Iron brass and lead
You laugh at this list now, but wait until SHTF and you have no Rembrandts or Modiglianis to trade for food.
When SHTF, banks won’t open or will limit daily withdrawal amounts.
Before the fiat dollar becomes worthless, physical cash will buy you stuff. Those with debit cards and credit cards won’t be able to buy. The key is to use the cash to get what you/need quickly, including transportation, and keep the precious metals for after the dollar implodes.
You keep 30% to have on hand for the initial death rattle, when they have asset seizure, 401K seizure, and bank closures.
That 30% is what you need to live on in the final days of the dollar, when most don’t know it is its final death and you are still able to buy the absolute essentials.