posting in hopes of better advice.

i think they are jacking up bitcoin near term, but i;m sure not fooling with that.

If your IRA account is holding CD's and Treasuries you have pretty safe securities, frankly. There might be a lot of talk coming from Trumpy, Ramaswamy and Musk et al, they still have to go through Congress to get a lot of shit done, and what Congressman in their right mind is going to vote for a bill that confiscates individual retirement account funds?

Don't let irrational fear paralyze you. Sure, it's possible, if not likely that Trumpy will cause another recession with his uninformed policy changes, but fucking with the nations money? That's not going to go over so well. If he does cause a recession and a major market pull back, then a large position in cash or liquid securities like you have would be an advantage, as buying equities at the bottom of a recession is how fortunes are made.

I think that just like last time, the majority of the people will sour on this asshole in rather short order. He doesn't have the mandate he and others keep touting (For the third time in a row, more people voted for someone else than voted for the Orange Turd) so he isn't going to do half the shit he thinks he'll do. The Department of Education isn't going anywhere, for instance.

You're fine. If you are really worried about the "major brokerage house" then you could always move your IRA's to a major bank, but again, this isn't 2006 & 7 and I don't think him crashing the Dow by 50% is in the cards. Of course, I could be wrong. I often am. That's why I don't write a financial blog!

My biggest concern is they will start fucking with Social Security just as I am on the cusp of beginning to receive benefits. If they raise the age again or cut benefits, it will make a lot of difference for a shit ton of people, myself included. But again, that's Congress that would do that, not Trumpy himself.

I'm 10% cash / 30% in CDs and the rest invested in market. Trump Tariffs will probably kill my business. Been connecting China/Indian suppliers with manufacturing OEMs stateside, for 25 years. Trump better not screw with my SS...I am counting on that once things turn south in January.

I like your chances. Keyword is major brokerage house.

You can chase this down the rabbit hole with worrisome questions. Could a debt crisis cause the USA to not honor its T-Bills. Not likely, in fact very unlikely. Could FDIC insurance be dissolved. Yes, it could. But the US Treasury would have some say.

I focus on the quality of the holder. Where are their HQ located? There are states with lax regulations, dating back a century. Money Market funds have had clauses written into them over the last 15 years about NAV not always being 1.00. In what state is the arbitration clause litigated?

I don't think all regional banks or upstart brokers and banks are as airtight as major banks. But today, is anything too big to fail?

With most mutual funds and many or most ETFs invested in the same securities, what would happen in the event of say ... a failure of one of the Magnificent Seven stocks? Or a few funds? Or any major company? Sequestration and liquidity from the Fed most likely. Volatility would be another thing.

I'm not the last word. But I think inflation is more risk than default because of liquidity injections. And poor productivity growth is here to stay. We are not growing like it's 1955.

If the Trump vision of American entails booting 30MM of our most productive and necessary citizens.....watch the economy start falling apart.

I'm going to move my money to a Schwab international acct and am looking at possibly putting money into foreign bonds or any tbill equivalents. I am currently in short term tbills and am thinking of moving some cash to euros or swiss francs.

investments but need to do some research first.. Thanks,,