Why are you buying so much silver and gold? What's your plan at the end? Let's suppose the US economy is ok to great the rest of your life, and you never need to fall back on your silver and gold to pay your bills. What then? Will you ever reach a point in your retirement where you think things are guaranteed enough for your last few years of life that you can splurge and sell your PMs to go on a nice vacation, or put your grandkid through college? What will you do with it? Or, will you hang on to your PMs until you die, and pass them on to a spouse or a relative? My plan is to always add just little bit of my savings to precious metals, and to build it up as a safety net for my safety net. Ideally, I will never use it, and someone someday who I care about will get it.