What can I do to protect me and my family?

Question

I make about 4000$ a month and I have 320000$ savings what do i do?

Answer 1

Right now the stock market and housing market is bad.  Consider bonds.  Your money will be stuck, but you will earn more interest on it than have it in just a savings account.

Answer 2

"Listen to what I'm about to tell you carefully" If you want to save your money and invest, turn at least HALF of your savings to gold, trust me on this, gold never looses value, especially now, i don't know how  much they cost but get a few blocks of gold if you can, you'll thank me for this later.