<prompt> Human: So, I have saved about 2,5 mln in our currency, which is around 7400 now and was about 15000 less than a year ago. Before that it would equal 20000. Since prices for apartments, cars and sometimes technology are held in USD, you can see how much money I am losing. I cant convert my money to any other currency because my bank doesnt allow it. Id have to cancel my current deposit and start a new one, which means I would lose two years of benefits its a complicated government-funded benefit system designed to help people buy their own apartments.My wife and I are making decent money and are able to put some aside every month, after paying rent and putting the required sum in our deposit. I would really appreciate some advice on how to make this money work for us given that any money I earn in tenge our currency may lose value in the following months. I have been advised to convert this money into a stronger currency and deposit it, but I am not sure this would make much sense because this wouldnt make me much money.TL;DR: Guy has some savings and is making good money in a very weak currency. What should he do?I would really appreciate any advice from you, guys.Assistant: Why cant you withdraw money from your bank and take it somewhere else to convert it to a more stable currency? It might not be making you money, but at least youre a bit more shielded from the drop in value that its currently going throughHuman: I can withdraw money from my current savings account, but it would actually hurt my financial situation. Heres why.A few years ago our government started a program for people who do not own houses. The idea is that you save up 50 of the money you need to buy a house, and then the state gives you the other half with very low interest. On top of that, every year you get 2 benefit plus a 86000 tenge bonus for being a client. In my situation, this 2 plus the bonus is enough to cover the banks interest almost completely. The trick, however, is that you have to follow one of the three plans offereb as part of this program. You can choose to save up for 3 years and 3 months, 6 years and, if I remember correcty, 12 years to have at least 50 of the money you need to buy a house. I chose the fastest plan and have been following it for close to two years now. In a year and a half I will be receiven the loan from the state for the rest of the sum that I need, and will have to pay it in six years.BUT! None of the plans allow you to withdraw money. To do that, youd have to leave the program. I do not want to do that because Im halfway through it already.Hope that answers the question.  <response>: These kinds of plans are explicitly designed to keep your money in the local currency. A lot of countries have something similar, especially if they have unstable or inflating currency. The benefits dont seem to be worth the losses from not converting your money to USD or equivalent holdings. 