> Gold and crypto protect against inflation.
No insurance policy pays when the house is already on fire.
> Bonds should be 20-40 percent of a portfolio.
If you believed in inflation north of 3%, why the hell would you own bonds?
> Apple and MSFT and the rest of big tech are safe havens.
Megacap tech is still up tremendously from the 2020 lows. Not saying they're going higher, but they've weathered the recent storm pretty well.
> It's always a good time to buy a home, as supply is at a generational low and will remain like that for a decade, we will become like Canada so you shouldn't wait to buy.
This was good advice if you were planning to live in your home you could have locked in rates at generational lows. Sure you were paying up for the house, but your mortgage payments would have been absurdly low. And yes, I'm almost positive over a 15-30 year period you'd be able to recoup your principle.