So much FUD in this thread. I have written up a blog post explaining Meltdown and Spectre for the average person (who has some familiarity with computer terminology).

The NSA has no interest in stealing your Bitcoins. If they are stored on your PC and the NSA wanted to steal them, believe me, they could steal them and the Meltdown and Spectre attacks have nothing to do with how they'd take them. For most people, a hardware wallet is the best way to keep your coins secure. Hardware wallets are not vulnerable to the Meltdown/Spectre class of attacks.