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<p>[QUOTE=&quot;NorthKorea, post: 1799580, member: 29643&quot;]It kind of HAS to be either or in OP&#039;s case. His cash reserve (if he REALLY needs one) would be his existing coins. Yes, he won&#039;t get max value when he sells, but it will be relatively liquid.</p><p><br /></p><p>All his excess earnings (beyond contracted bills and food) should be going toward paying off his defaulted debt, Paypal defaulted accounts and defaulted overdraft checking account. All of those should be done prior to even purchasing one coin. The only exception would be coin roll hunting or something similar, which only costs the OP time. Even then, due to the limited opportunity for return, I think he&#039;d be better off using that money to pay off debts faster. Once all debts have been paid, the money going toward debt service should go into forced savings (CDs or 401k).</p><p><br /></p><p>This is an extreme case of inability to manage money, in that OP is a college-aged labor employee (who constantly complains about minimum wage not being higher) who has already found a way to absolutely destroy his credit. Keep that view in mind when recommending that he should or shouldn&#039;t &quot;invest&quot; in coins.[/QUOTE]</p><p><br /></p>

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