I like how your post ended up by convincing us to invest our money on assets and you are right to do so. If you are right that another recession is coming then the best way to battle it is with assets outside of our fiat currency and that is including stocks. And if you really want to take advantage of the situation be like Warren Buffet where he bought most of his assets during the recession. Buying assets when the prices are down are like buying things at a discount, although the main problem here is do you have enough money for your daily expenses and for you your investments? That is why you always need to have Fiat currency savings as you never know when you will need it.