Keep as much cash on hand as you can afford. Money market yields are gone. Digital cash will vaporize in any major finanacial melt-down. Physical gold will get you killed in the market place. Hording $5s and $10s will get you by for a while.
Never keep it all in one place. If you have a safe, fine, but that will be the focus of efforts of criminals. If everything is in there, you risk losing it all.
Split it up, and spread it out. Leave a couple of 'low hanging fruit' stashes, heavy on small bills with a couple of big ones inside to look good, in a desk drawer, pocket, wallet or purse. Hide the lion's share elsewhere in envelopes taped to the back of pictures (or inside the frame backing), inside an old lamp, taped to the bottom or back of a drawer, the underside of a chest of drawers, in hollowed out paperbacks, interleaved in the family bible, or anywhere else you can think of. Never put all your eggs in one basket.
Unless you routinely move large sums around, trickle the cash out in three figure sums or the rare four figure transaction. Transactions of as little as 1,000 to 3,000 dollars trip flags with the IRS and have to be reported by the banks. If you know someone who works in banking ask them how large it has to be before it trips a flag.
Keep in mind any search of the premises by LEOs will likely result in the confiscation of large amounts of cash, so, again, break it up and make it look reasonable.