By avoiding it. But I've played the game and basically won -- I expect to die with money to leave behind to my kid. I've been retired since 2013, DW since 2008.
We have a lot of money in individual municipal bonds, most of which I bought a number of years ago while they were attractive. On the equity side, we go with index funds and index ETFs. DW's IRA holds the aforementioned Wellington fund, among others. Jack Bogle's observation to buy the market rather than the stock is a rule to live by, IMO.
Many people on this forum held onto their investments through the Great Recession and came out ahead -- the trick was not to fall victim to fear and/or greed. Slow and steady wins the race.
The US dollar has survived a couple revolutions in central banking, a handful of "great depressions" and a civil war. I expect that private-sector banking institutions eventually will adopt blockchain in its transaction technology, but based on established currency. To a great degree our money system has already gone digital; I spend actual green dollars about once every couple weeks, and usually for trivial transactions.
