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I’m not chasing gains—I’m building a last line of defense.
Do you ever walk into the grocery store and feel that prices jump every week?
With record government deficits in the headlines, it’s hard not to wonder where the economy is headed.
Because of those worries, I started a small habit a few years ago: I quietly swap 10% of my cash into physical gold and silver—not paper products I click to buy, but something I can hold.
The defense I chose in a flood of liquidity
When governments spend more and money sloshes around, everyday costs creep up.
My goal isn’t to “beat the market.” It’s inflation hedging and survival in system-stress scenarios.
Not paper gold—something I can hold
Markets get messy when the economy kinks. Issuers, custodians, and liquidity all become question marks.
Paper gold is convenient but has many middle links (issuer, custodian, liquidity, company), so in a crisis it can be hard to convert to—or move—physical. Physical is different because it’s in your hand.
Think of it like this: app points are nice, but in an emergency, coins in your wallet are more useful.
So I pick presence over convenience and stick to physical.
Not 10% of total assets—10% of my cash
“Hold 10% of total wealth in gold/silver” sounds great, but it’s a big number for many people.
I take a more practical route: convert 10% of my cash into physical gold and silver.
It doesn’t derail my budget or investments, yet it gives me a small shield that actually works when needed.
Small units are practical
Huge bars are hard to use or sell.
I prefer 1 oz coins/bars or smaller (½ oz, ¼ oz).
I also hold silver—it’s cheaper per unit and handy for small daily trades if we ever needed to barter.
In extreme inflation or depression scenarios, smaller pieces can cover basic living costs without overpaying.
Store it quietly, split it up, keep records light
I don’t rely solely on bank boxes—access can be blocked when systems stall.
I distribute storage, keep it quiet, and maintain minimal private records that only I can find when needed.
Build it slowly—habit beats timing
No need to start big.
I buy tiny amounts on a routine, not on a prediction.
A calm habit keeps the average cost reasonable and my mind steady.
A warning from history
“All persons are hereby required to deliver on or before May 1, 1933 … all gold coin, gold bullion and gold certificates.”
— U.S. Executive Order 6102 (April 5, 1933)
Moments like that remind me why the existence of physical metal—and quiet storage—still matters.
The Simple Rules I Keep
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Allocation: I quietly keep 10% of my cash in physical gold & silver. Like insurance—steady, not oversized.
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Size: 1 oz or smaller so it’s actually usable. If needed, even smaller pieces.
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Mix: Gold for core safety, silver for smaller day-to-day needs. Big shocks = gold; small transactions = silver.
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Storage: Quiet, split, discreet. Minimal records, kept privately.
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Buying: Small, periodic, patient. A habit—not a market call.
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Purpose: Not to maximize profit, but to withstand drawdowns and protect daily life.
Closing
If I never need this stash, that’s the best outcome.
Then I’ll simply pass it on—it’s a clean, meaningful legacy.
Until then, I keep adding **a little physical metal—about 10% of my cash—**quietly, steadily, and without drama.
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