Money is not real, but if enough of us believe in it whatever the government says and all that we accept has an ability to transfer your work and property to others for commerce. And to the government for your protection, to the union for their job protection and to the thieves for their protection. Your hard work protects a lot. But it is based on a form that the government calls currency or money.
I am sure that the Fiscal Cliff isn't the real problem, and it isn't the Social Security nor the Medicare, and it isn't the high cost of weapons and military. The real problem is there isn't any good faith or credit, and there never has been any value to what they call money, except good faith and credit on your ability to work, produce and payback. Since the Zimbabwe Plan is in effect, we are going to loot the rich and give to our supporters their tools, land and wealth. Which will breach the final barrier to everyone being miserable which becomes the new standard of fair.
My point being, with the problems with the money I recommend converting it to something you can use. Tools, land, animals, metals, beans, water source. For free you can read The Forgotten Man, about our Depression. The go find a history of the German Money between the World Wars, and Zimbabwe from the collapse of Rhodesia to today. Having spent an afternoon crawling around under my home in the crawl space, I was reminded that exteriors are always cared for better than the concealed framework supporting everything. If the country ever restores individual responsibility and honor, they can rebuild a better world. Of course, it isn't up to the country to restore responsibility and honor. The country doesn't believe in it. The individuals do.