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Message:: [QUOTE="Paul M., post: 2429685, member: 73165"]+1 to what [USER=27832]@-jeffB[/USER] said.  Silver stacking is not a good way to save money, if only because you're typically going to pay at least a small premium above spot when buying and take a small discount from spot when selling.  That's how metals dealers make money is on transactions. Just as a hypothetical example, assuming a $17 spot price, say you pay $1 over spot and get $1 under spot when selling.  That means spot price has to rise almost 6% to $18 before you're even covering your cost basis.  And, buying at $1 over spot would be a really good deal to begin with! (You'd probably have to go to generic bars and/or buy in huge quantity to get something like that.)  You'd do far, far better just setting up a high yield savings account with automatic deposits and stashing the debit card away. As for investing, IMO, you shouldn't invest at all until you have a minimum of 3 months expenses saved in the bank (and possibly more, depending on if you're part of a dual-income household and how stable your income stream is -- 1 year worth of expenses is not outrageous for people who are self-employed).[/QUOTE]