This post is not asking for personal advice for the OP
You will be saving $1,200-$1,400 a month cash, your home and car are paid off.
You have $4,600 to your name. You would like get into ETFs, perhaps gold etc
What would YOU do (investments etc) in order to be \*way\* more financially secure 10 years from now??
How much cash would you stack and have on hand?
You do not want to sell your home, it’s a nice single family home that you inherited years ago after a tragedy, you live in it. You drive a 2017 honda that you bought brand new and paid it off monthly.
You have roughly $1000 a month in bills/insurance/food etc
You earn roughly $2,800-$3,200 (if OT is available) a month working for the local county school system (not a teacher). You have good medical and dental insurance.
You have an 11 year old, low maintenance son, a great kid, he lives with you.
Some may laugh at your situation, but you feel grateful and fortunate.