Been in the USA for 2 years and currently self employed with around 80k savings. Live with my spouse in a home we have mortgaged.
I have been reluctant to start a 401k and a money market account due to the ongoing economic issues and fear of everything declining.
I also need to buy a car soon and emergency savings.
Any advice on what the safest and standard options are? I am risk averse and would like to put my money where it’s safer.
Thank you..