Its more, "I don't trust banks, so will buy gold when I have money and then sell it when I need money". Gold shops in Thailand are much different, and much BETTER, than here. Over there you start with the value of the weight of gold, then negotiate the premium for it being jewelry. When you sell, they buy it back at gold value. Compare this to the 500% markup on gold jewelry here when buying, and a pawn shop offering you 30 cents on the melt dollar when selling, and you can see why this idea is foreign to us. Gold is not the best, but still a decent method of savings over there. Way too much greed both buying and selling here to do this in the US. I really do not mind her buying gold much, because it is not very much over melt value, (about the same as a lot of bullion coins). So, in a way, its like me buying another double eagle or two.