You're exactly right @owenwat! Even if you don't have a lot of extra cash, you can budget away a little bit for silver or gold each week or month. Examples: Bing Rewards you can easily earn a $5.00 amazon gift card each month (or less) just for using their search engine daily, recycle your aluminum cans - help reduce trash while you earn a few ounces of silver (true recycling). Have a garage sale, you'll be surprised how much silver you can buy while reducing the clutter at home. Cut back a little on eating out, pack some healthy lunches - you'll feel better, maybe lose a little weight, and probably gain an ounce of silver a week.