Whatever you do you should have some cash held out in your hands, cash, gold or whatever in case of a financial rainy day. You should add to the pot even in very small amounts, frequently so it won't hurt. That plan saved my bacon when Lehman Brother's went bust and my portfolio went down the drain about the same time I was diagnosed with pancreatic cancer. Who would have thought either one of these things would have happened, one of the world's largest and oldest bank and a deadly cancer, let alone both at the same time?
My wife was living with me at the hospital helping to take care of me when the IRS foreclosed on our home. I was really struggling, just hanging on and she did not answer IRS letters that she never saw. We had no idea what was happening. He focus was elsewhere and I was in the Twilight Zone. Later, we were finally granted a hearing to pay our taxes and penalties and stop the sale but instead, we received the proceeds of the sale of our home which was a bill for the deficit and a key to a storage locker for our belongs. The house was sold at auction in the middle of the biggest market collapse since I don't know when.
If it was not for my "silly" cash reserve hidden away we would have had nothing. Besides being financially helpful it was good for our mental health, too. So don't ever say there can't be a really bad financial rainy day. You have to admit that no one including yourself is an expert on the economy, investments, and the future especially when the politicians get involved.