You are gambling by holding dollars that will be worthless someday (and that day grows ever nearer). I roll my eyes every time I see someone talking about “cashing out” back to worthless fiat for a short-term profit.
You are gambling by holding dollars that will be worthless someday...
Also, zero debt and real estate taxes equivalent to a medium pizza every month.
You can not eliminate risk, but there are plenty of ways to mitigate it. Oh, and having SOME cash on hand for an emergency is also not a bad idea.