Roll your IRA into a self managed one. Have the current custodian write a check FBO and mail it to the brokerage of your choice that features a self managed IRA option. Etrade has this option for example. When a Democrat takes office things like uranium are a good bet. I believe gates and buffet are investing in mini nuclear reactors that they want all over the country. Oil ETFs will pay off. Palladium, rhodium, miners for things like lithium. All great pay offs. Wheat ETFs are a good choice. The bread and pasta in the grocery stores are from last years crop. When this dismal crop is harvested you'll see a spike in wheat. Those vaccine stocks made beaucoup bucks prior to the Pfizer announcement taking the cake. Those were great trades. Literally googled "what vaccine stocks is Bill Gates invested in" and added those to my portfolio. Sold about three weeks prior to Pfizer announcement so I didnt call the top but got out clean with a lot to show. Those trades wont be made by anyone but you and there are still trades to play. Your computerized-"managed" retirement account is buy and hold. There is no one to take advantage of an actionable trade. I regularly make 20% a day with a simple portfolio that's stacked for current conditions. Buying "blue chip" stocks and hoping you can just watch your portfolio grow while you sip margaritas on the beach doesn't work anymore. Not saying that you do that but some people approach trading this way. Like old advice ala Jim Roger's wont work anymore. I check my accounts once a week and make trades less frequent than that. When news breaks that is profitable I make a play. I dont know your financial situation but having a deed to your house and not a mortgage is a better option or I would prioritize as being up at the top. I'd aim for being liquid; no car payments, mortgages, credit card debt. The only exception I would say is acquiring resource rich land that allows for self sufficiency. That's worth a mortgage so long as you can afford it and pay it off quick. If you are going to stock pile maybe start adding items to your grocery list. We aren't issued ration cards yet so theres a plus. I do know a few guys that lost in excess of $180k on their 401ks and they wont be able to recoup those losses before they retire. Some did cash out because they said fuck it. Whatever choice you make I hope it's in your best interest and that it benefits you and your family. Good luck.