Only a small number of people can afford to buy gold and hold it for one to three years before reselling it for a profit. Most people can't buy gold that has been held for years. If we have not yet been able to invest in a business, the best option is to save money in a safe bank and earn higher interest rates. (Do not deposit money with a company that declares itself to be comparable to a bank but has no real business activity.) This analysis is particularly relevant to the people of Vietnam, China, Thailand, and Malaysia. True, the dollar or paper currency is dozens of times easier to make than gold; yet, if the country's economy is prosperous and no conflict breaks out, the value of gold and currencies will remain stable. The US dollar was also made in 2021 during the COVID-19 pandemic. War is now spreading, causing the price of gold to rise even further.