36M looking for reality check

Hi

Family age 36, 34,6,1 with retired parents 68, 66 Montly take home : ~6 lakhs/month

Assests Equity = 2.5 Cr(USA = 1.2 cr, rest india) Gold = 1 Cr Retirals = 1.2 Cr (ppf,epf,nps) Bank accoun = 30 L Real estate = 1.3 Cr commercial space currentyl under construction

current expense 2L/month which will increase with ageing parents and growing kids.

I dont see much future in our jobs given the AI impact and industry shriking at rapid pace. Maybe runway of 3 years at best. Fortunately have no EMIs, apart from usual credit card spent.

Have 1 self occupied house with 0 debts on it.

Looking for advise on investment horizon and frankly not sure how to calculate the practical fire number with such a fragile geopolitics impacting the markets heavily.