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Message:: [QUOTE="kanga, post: 898562, member: 9270"]Take time to plan how you'd like your collection to grow.Of course you have to try to take into account a prediction about the size of your disposable income in the future.If you want a XF or better type set you don't choose the keys of each issue.If you want a Lincoln cent set in XF or better you go with what you can afford at the moment and wait for your income to catch up to SVDB prices with the understanding that they won't remain stagnant.If you THINK you would like to collect XF or better Mercs in the future then consider getting the keys now. My Merc set is not being actively collected.But a while ago I did a bit of future thinking.It currently consists of:- 1916-D in F-12- 1921 in Good (raw)- 1942/1 in AU-55- 1942/1-D in XF-45- 1941-1945 short set in MS (raw)- a few other slabbed and raw coinsI may never go for a Merc set but if I do I've got a big jump start.And if I don't I've got still got value.[/QUOTE]