I agree with your pints on lack of investment choices in the current low interest rate environment and as inflation is and will be heading higher.

I very much disagree with your stance on crypto and that was covered in other comments on why.

I also disagree with his statement:" Instead of buying a bunch of bitcoin, I’m going to finish paying off my house, because that gives my family a place to live no matter what happens over the next couple of years. That’s priceless."

Why would you stick cash in brick and mortor your house) when mortgage rates are at historic lows?? Here's why: https://gregdermond.com/2019/05/why-i-cant-agree-with-mr-wonderfuls-advice-on-mortgages/