There are a lot of delusional people in here posting about their personal shower-fantasies of what they would do in the apocalypse. You can safely discard all that. If it gets so bad you need guns and tools and… blacksmithing supplies? you are so utterly fucked that gold and bartering will be the last of your concerns. People will be fucking eating each other.

Read some Cormac McCarthy for a more realistic view of the end of the world. (Then have a therapist on hand for the after-effects.)

For a financial collapse, gold would probably retain value, a society still needs something to base the value of its trading on, we can’t just all carry around sacks of grain. How much value gold will retain is very hard to predict, but people have been using it for so long that it’s already survived several widespread disasters and is still in use.