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There are 3 things that will always be of value:
Land
Gold/silver/gems
yourself (education..... the higher you go in it the more your earning potential rises)
Stocks may be in a drop cycle when you need the money
Long term T-Bills, CDs, Bonds, Munis, managed accounts all punish you if you take the money out early if you need it and the interest rates right now won't cover the rate of inflation and the taxes.
I can tell you one thing I have that has helped me over the years. I have a $2500 paid insurance policy that my real father had given my mother when I was born. By the time I was in my 20's that policy had huge cash values I could borrow on and use the continuing interest on it to pay the loans.
7 years ago I had borrowed every cent out of there. Today, the loan value is still up around $4800. The face value, if I were to sell it would actually net me less money. I don't know if insurance companies still offer these though.
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I just love people who use the excuse "I use/do this because I LOVE the feeling/joy/happiness it brings me" and expect you to be ok with that as you watch them destroy their life blindly following. My response is, "I like to put forks in an eletrical socket, just LOVE that feeling, can't ever get enough of it, so will you let me put this copper fork in that electric socket?"
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