Is It Too Late?

True Studio, as it is not going to be easy to be buying silver or gold in say 2020, as it will be so much more then. You can count on inflation as well, but not much more money made in salary, so I need to keep cranking out 8 grand a year for the first few years to get ahead of the curve so to speak....

As far as 90%, I have not added any yet but plan to add some for sure before it is over. I just figured I would get some real nice items on the way to my first 100 oz., so I could watch the premiums climb for those pieces over the years as they get older, and I am a collector at heart as well....

Yes what ever one can afford is good IMO. They say take 10% and put it away and you will be fine, with my plan you have to be a bit more frugal, as 25% is a big chunk, and of course everyone has different salary's and bills, money available to invest, etc.....

People never think about cars breaking down or getting sick and other unplanned expenses. My grandfather just past Saturday, and he had a great long life at 80 plus years. He was in the Hospital for two weeks even though he spent last month at home as he wanted. They dropped a 50 THOUSAND dollar bill on him on the way out, and his insurance helps but he does have to pay (or the family now) 20% off the top....

His last conversations with me was about how the bank was killing him on his money via CD's, like way less than 1%. Of course he was worried about my grandmother and other family members, and a couple of rental property's. On one of his last better days, I explained my new interest in pm's and early on he did not seem to understand, but after a while of explaining how things are bought these days and sold via computer, and the obvious problems with the economy, I actually believe he felt comforted that I would be o.k. and would do fine with my new hobby/investment. I do however feel he was much concerned about my grandmother who has alz, and his daughter and other family members, even though he did leave them about a quarter million to divide up, of course the hospital will get 20% of that 50 grand owed....

Very sad to hear, that is a tough situation. Not fair, much like many things in this world....

Getting to work there makes thinking about the future more in your face I would imagine, and you still have ample time to try and put yourself in a better situation between now and then. Who cares what the negative Nancy's around you say, they will be wishing they had invested in PM's one day....

it is not too late....
buy what you can afford, and keep yourself out of debt of all forms...

Lots of good advice here. I started buying gold about 4 years ago, it was around $750 then, and silver was $12-ish. The greatest part about this though, is that it is combined with a passion for classic US coinage that have history in circulation use from our ancestors. These classic coins, many can be had for no more premium over melt than a gold maple leaf or american eagle or any other modern forms of gold. I'm putting together a roll of common half eagles, and another thing I am jumping into as well is heavily circulated CC Morgan dollars, which can be had now at modest premiums over melt. The fact that I enjoy classic coin collecting, AND am investing in metals that have been considered hard money long before the dollar bill existed is like killing 2 birds with one stone.

Went to see mom one dasy. Heard step, step, step, thump.

OK, odds about 99.99% she's dead. If I had any sense, I'd have called the doc. Called 911, they got her breathing again. BTW, that last 8 hours will cost you $1000 an hour, even with a quality of life of exactly zero.

If called in, they have to try to revive. They cannot declare the person dead. A doctor can say "show's over" and the billing clock stops.