I’ve already experienced delays in financial matters. I wanted to transfer IRA money from one institution to another. As I had done in the past, I sent the necessary paperwork to the receiving institution. After 2 weeks of hearing nothing from anybody, I started calling and found out that the receiving company had forwarded the paperwork to sending company, and had heard nothing from them. I called sending company who claimed they never received authorization to transfer money, so apparently did nothing. It took more than another week to have the money sent to my bank account. I wired part of that money to receiving institution with the intention of opening a PM IRA. The next day I called PM dealer and ordered metals to be deposited in my account. I expected silver to take a while as there was a delay posted. That was on Mar. 9. As of today, no metal has reached the depository. So, we are at about 1 1/2 mo. to make what should have been a relatively simple transaction. I believe at least part of the delay is intentional policies by financial institutions to hang on to money as long as possible in order to take as much as they can in fees and interest out of that money.
The lesson to me is, keep your money close at hand and easily accessible. BTW, my job is fairly secure, but pay has been frozen for two years.