You don’t need a “Qualified” retirement account(s), those just are supposedly “tax advantaged” Most people to retire comfortably (and save for a rainy day) use “nonqualifed” money, be it savings, stocks/mutual funds, collectibles.
You might want to diversify your physical holdings, like coins or other precious metals. If you don’t trust brokerages etc, then it seems your best hope is physical custody, but then you have security issues. Otherwise, look into some diversified mutual funds.
Buy a good safe I guess and don’t tell anyone that you even have a safe. No sense tipping off anyone, even family, that you have other assets. JMHO off the cuff.
Also:
Stay debt free.
Keep 8 month to a year pay in cash.
Diversify the rest. Gold, silver, ammo, guns. (if it all goes REALLY bad, guns and ammo are worth more than gold)
I am 50, retired USAF, and in addition to the above I also have stocks, IRA’s and savings in case society manages to keep it together.
Best advice I can give anyone is to live well below your income level and have a plan, for everything.
Nobody knows about the future... But you can’t invest in the future with out taking a risk. If I were you, I would be diversified. Some in the market, some in metal, and some in real estate. Probably a 1/3 split...