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Gold is getting a lot of hype. When a waiter is telling me that I should buy gold, it's getting a little rediculous.
First, I would suggest meeting with a financial planner. There are many factors to a personal portfolio and precious metals are only one small portion of that. You dont mention any savings. First priority is to establish an emergency fund in cash savings. How is your credit card debt? Do you have a lot of debt at high interest rate? Perhaps that $180 would be better directed towards getting back into a positive cash position. Once you get a grip on your overall financial health ..you can think about buying gold.
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