Then do like I do, I buy metal, mainly silver, and some gold. Each month I buy what I can afford after bills, etc. I am retired and I don't trust banks. I may turn what is left of my 401k into gold & silver. Haven't done it yet but this next week might be the time to do that. Hell, even if my house burnt down I'd have a nice pile of gold and silver to recover. Can't do that with paper money.