Disclaimer- Phantom, throwing money into black holes other than real estate is a thing of the past for me and I was pretty bad at it to begin with.

Again IMO...Going forward global luxury travel and vacation cruises will be on everyone's radar as risky at least for a few years. We have all seen that you can risk infection while traveling on foreign soil and at sea, and how the door can easily close preventing your return home. It'll also take 100's of thousands of families a year or two to re group financially.

The conundrum for us oldies is that low risk safe investments won't gain much traction for the balance of our lifetimes.

Just my 2c worth.

Stay healthy as best you can everyone.