[PonchoV8]

(1) Some people say all fiat currencies fail. Gold has been money for over 4000 yrs hasn't it? It still is. Fiat currency is what's worthless in the end (US dollars, Euros, etc.). Federal Reserve Notes are backed by nothing but the American taxpayer's ability to make them good. When our Dollar is a debt instrument, it's a Ponzi scheme until you can no longer pay the interest on the borrowed debt. There's no way around that without someone taking it in the shorts.
Dave Ramsey is an idiot. Let him get you out of debt. He's an investment idiot though.

(2) Remember in Jan 2011 Obama saying he wanted US exports doubled in 2 yrs? You do that most easily by weakening your Dollar so foreign nations grab your stuff on the cheap. You also drive your debt rating down with inflating your currency (money printing) so your debtors sell off your debt for cheap money (and you can print/buy it back cheaply avoiding paying as much to them if your money was better).

Q: So, is it (2) good tactical financial planning or (1) your cash is just trash because it's a Ponzi scheme? Find a graph of your debt since 1970. Look at your GDP along with it.
A: Your currency is screwed.

Look for a loss of internet connectivity and a national emergency as possible distractions for the end of your current "money". Silver followed gold at a 15:1 or 16:1 ratio in the 1980s. Where is it supposed to be at 2500 gold (that's where gold is supposed to go according to a large number polled recently--economists). James Dines called the 2008 financial bust 30 yrs ago--he called the exact yr 30 yrs ago and it's in his book copywrited in the 70s. He says gold to 5000 in the next several yrs. Marc Faber says 100% chance of hyperinflation in America. They both say have some precious metals. Me? I'm still buying collectibles that will be worth about 1/10th of current value if/when the crash comes because I have no chance of surviving that collapse without God's help. I know my limitations.