Pay Dirt

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Pay Dirt is Slate’s money advice column. Have a question? Send it to Kristin and Ilyce here . (It’s anonymous!)

Dear Pay Dirt,

I’m usually not much of a worrier, but given how this country is unable and/or unwilling to put guardrails around A.I. development, I believe it’s only a matter of time before a major financial institution loses control of their assets via hackers (including ones sponsored by rogue states). How do I protect my retirement savings? I already have my funds split up between six different institutions. Should I split it up further? Give up higher interest to lean more into government bonds? My granny kept her savings in old coffee cans. Was she onto something?…