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SHTF Currency – Cash? Gold? Silver? Bitcoins?

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What does SHTF currency look like?

We all like to speculate but it’s hard to really know what will hold weight in which situation.

It’s hard to imagine a time when cash is no longer king. However, if the currency is devalued by massive debt and inflation we could see that in our lifetime.
5 Reasons Why Pure Silver Will be the Currency of the Collapse - This article makes the argument for simply investing in and having pure silver on hand when you are looking to barter in the collapse. Its a tough one to argue but there are many people who really like the idea of having junk silver and also like the fact that it is free.

Let’s take a moment to look at these four currencies and see which will play well in the SHTF scenario.


At the very least your emergency plans should involve a cash emergency fund of $1,000. This fund is to be held onto in case of emergencies that affect your finances.

In the near future cash is going to get things done. A cash fund should be your first consideration before anything else.


While gold has long been a means of currency around the world, the price of gold is so high that it is hard to use practically. You would struggle to buy food and provisions with gold.

Due to the Coronavirus pandemic, gold is currently over $1,700 an ounce (as of 4/26/2020)!

That means you would need flakes to buy food or you would need some means of making a change. That’s a lot of moving parts for an SHTF barter.

I would not make gold a big player in your SHTF wealth profile unless you are looking to make large purchases that you can secure.


The SHTF currency that makes the most sense to me is silver. It gives you a value that can be used for the purchase of most things. Likewise, it’s easy to afford in meaningful batches and can make a big difference in a hurry.

At $15 an ounce (as of 4/26/2020), you can start putting silver away today!


Bitcoin is all over the place lately. Not sure where it’s going but this is for sure, you need power to use it. For that reason alone it falls very low on the list of SHTF currency!


The reality of collapse currency could be much different. It could be skills, labor, or the human body itself. As sad as that is, in Venezuela women are crossing over to Columbia in order to sell their bodies to feed their kids.

That is a real collapse. Pay close attention.

What does an SHTF currency look like?