I agree & find the same issue with my contemporaries. We are all in the 60 years or more so they think I am insane :-) I have listened to you and have become "my own central banker" moving my retirement into a gold backed IRA as well as stacking.....now cryptos....wohoo....
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@59-1/2 you can take physical possession of your gold in an IRA. why pay the maintenance fees and storage fees?