So no savings in fiat? It’s probably good advice on paper but it’s difficult to achieve in reality. How much will a person earn annually to be able to have a portfolio like this. Real estate is a good investment but it is not cheap. You’d need at least 3-15m to buy a plot of land in a good area. Gold and bitcoin are more feasible because you can simply buy the amount you can afford with minimal risks compared to buying a cheap land in a underdeveloped area that’s likely to have issues in the future.