Diversification, including at least some equities, guards against the risk of outliving your money. Lots of young people are clueless about money — older folks aren’t much better© Getty Images ...

Thanks to stablecoins, we are about to start streaming the whole economy. U.S. dollar stablecoins recently hit a milestone–they represent about 1% of the U.S. money supply (based on the M2 measure).

In fact, there are lots of small ways to stockpile funds for down the road. For full-time employees who work in more conventional jobs, start a 401 (k) if your company offers those benefits.