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Message:: [QUOTE="GoldFinger1969, post: 3996817, member: 73489"]I think you ask a GREAT question for newbies or veterans. I doubt there are very few people on CT or among coin collectors who can just disregard ANY cost of a particular coin. It just depends on what level that bidding line exists at based on one's financial limits and where the price spikes. For some, it's the G-level for a coin...for others it's XF....for others it's AU....and then for some MS65 while others can go to MS66 or MS67. There is no law that says that you can't get the coin you need NOW to satisfy your personal desire or registry needs...and then later on upgrade.  You can add a 2nd coin or sell the 1st and use the proceeds as a downpayment on a better one. I just attended the FUN conference. I have had my heart set on getting a nice 1923-D Saint-Gaudens in MS66 quality or 65 CAC or whatever looks great for the $$$ ("buy the coin, not the holder/sticker").  1923-D Saints at MS66 cost about $3,000 - $3,500, give-or-take.  But an MS67 is going to run closer to $12,000. For me, that made the 67 a non-starter and even some of the 66+'s and 66 CACs too pricey since they jumped the price of the coin by 40-50%. Hope this helps a bit.  In the end, YOU have to decide what fits your budgetary and numismatic needs.[/QUOTE]