Have you factored in possible hyper-inflation?

"我意思是不要管太長遠的事。等到人都作古了，可能美國還沒有衰弱。比如大英帝國已經衰弱了60年了,生活水平還是很高，倫敦房價不久前還在瘋漲。各國移民還爭相移民英國。所以說，你要等到美國真正的衰弱，到可以影響你個人生活的程度，大概要等幾輩子了。"

What if hyper-inflation happens?

What if hyper-inflation forces the US government to issue new US dollars with a ratio of say 1 new USD = 10 old USD?

Once triggered, hyper-inflation can take place very quickly.

And in my view, 5 years is the most we have before HI takes hold in the US.