I said I am the opposite of a BTC maximalist.  I have no confidence BTC can be a useful money.  When price rose, xfer fees went nuts, miners were basically extorting people for being included in blocks, the lightning network is not workable, and I could go on.  I don't trust it.

Neither do I trust paper, or foreign vaults.  If my gold is not in my possession, I don't have any gold.  I MAY have a CLAIM on some gold, but that is a horse of a different feather.  

Lastly, I have no retirement, and never will.  I will work until I die, God willing.