I have two auto deposits from Disability into the bank each month. Should I have that made to come to my home instead of the bank in case they closed up suddenly? It would be a balancing act to keep checks from bouncing, however, as I am nearly homebound and have a hard time coming and going to the bank. I just keep enough in to pay my utilities, food, gas, etc. and am debt free otherwise. BUT, if they closed suddenly, it would take my whole monthly income at once, and leave me high and dry.
Ideally you would keep only enough money in your bank account to cover your monthly expenses. All other available cash should be kept at home (and coverted to gold and/or silver when practicable). I understand that with your mobility issues this becomes difficult. If it’s possible to find a relative or friend that you can trust to help you with this it would be good. You could put them on as a signatory to your account and, after your bills are paid, they could help you make a withdrawal of the excess which you could keep at home in a fireproof safe that is hidden away and secured.
Then, once you have accumulated enough cash to cover about two or three months worth of expenses you could begin to convert any additional money you save into precious metals. Again, you should keep those in a safe.