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I have about 50% of my net worth in gold and silver. And i'm 31 years old, I just don't trust any other thing that has counterparty risk. I would buy real estate or land but it's to expensive at the moment. I'd rather save in gold and silver and then sell it once I got enough to buy the land or real estate outright without a loan.

Retired old man (72 yrs young ! ), a Million dollar home free and clear, Well Over my body weight (200+ lbs) in Silver and working on a second kilo of Gold. I feel pretty comfortable in my stacking journey, started way back in the early "70"s, Gold @ $ 350, Silver @ $ 6 > $ 8. Sweet !

The amount of thought and work you put into your content is remarkable, and greatly appreciated. Thanks

With current events I prefer a higher allocation in precious metals. Our goal is 1k silver & 10oz gold per family member. I appreciate your data Baldguy, don't worry about the haters you are providing excellent information. Keep it up brother.

As a poor individual making $16k ayear i try my damn hardest to buy whatever i can

I'm next to all in on both gold and silver bullion. I follow the central banks. Something big is around the corner when you realize how much they have been buying up.

Having 1/3 of my savings in gold/silver has really helped me feel safe and hence relaxed but i have no faith in copper and being a pro welder and have welded titanium for heavy industries I can't believe people buy the stuff. I do smelt my aluminum scraps in to bars to toss behind my shop with the intent to sell it off long in to the future or use it for raw stock to cast special alloys for custom projects so im happy where I am at and in the end its a personal thing to make yourself happy

i now own 196 oz of silver!! And i have accrued this entire amount in just the past several months!! I have done the math and I predict I have at least 1700 to 2000 oz of silver by end of 2024/beginning of 2025!! I am full on dedicated to seriously stacking TONS of silver before it's officially too late to stack any longer, before silver officially skyrockets past the moon and past the stars!!!!

I have trouble believing that the average middle aged American has a net worth of almost a million dollars. That seems absurd to me. Maybe I'm just totally clueless.

Kudos for being straight and clear on titanium stacking. Not trying to pander to every potential viewer. Makes me trust ur channel more.

I'm going to say at this point in time, 20% is too low for all age categories. With what is about to happen with the everything bubble, silver and gold are going to act like huge investments.

Your recommendations for % holdings in metals are reasonable and plausible in a business as usual scenario where we continue along with inflation and devaluation of our fiat currencies in the way we have been doing more or less since the mid-1970s. However, IMO, this reflects a normalcy bias that has a very high risk of being invalidated in the next 10 years. Therefore, I have difficulty believing that the “wealth” you can see only by logging on and looking at your accounts electronically will be accessible or have any utility in the increasingly likely scenario of a serious financial disruption. To me, this argues for an allocation higher than you suggest, to counter-balance the human tendency to discount the likelihood of disruptive change.

I have my 11 year old son stacking. We just started 9 months ago and he already has more of both gold and silver than the under 35 group. I am satisfied that I am getting him started off on the right foot and EARLY. He is also stacking both bitcoin and XRP. This winter we have some investment courses to study from and execute in his own brokerage account with a thousand dollars. We spend the money he gets for Christmas and birthdays on investing, rather than candy or toys. That's why God invented grandparents, they can buy the toys!

Thanks for another informative video. Seeing as your channel is called Bald Guy Money, I think it would be illuminating to all your viewers to see your analytical approach applied to non-metal assets from time to time. You've made it clear in your videos that it's not wise to allocate too much to metals, but I'm sure we'd all appreciate to hear what to do with the rest of the money (e.g passive cash flow generation, other hard assets, etc). Thanks!

First rule: never compare yourself to others. Second rule: while pondering your security against an impending financial collapse, by all means compare yourself to others.

Highly recommend that everyone here read or watch 'The Great Taking'

I appreciate the breakdown. Those percentages are very reasonable and practical. There's a need for insurance but you should never make it large portion of your personal wealth. I'd rather earn a positive return on my wealth while I can. If I want the security as I age I can always convert more of it to metals later. As to titanium, it's an interesting and useful in many things, but it's not money so I have no reason to buy much of it. If I ever become more interested in titanium and think there's money to be made there I'd do the same thing that people should do with copper; buy mining stocks. Thanks as always, Bald Guy!

Thank you for your vid BGM :) Have a great week!

Man, i remember finding silver coins once in a while being handed them, or from change machines and i wish i had the knowledge back then about metals.

Really enjoy your videos and the thought process you put into them. Your videos regularly help me question my stacking strategy. Cheers BG!

In this day and age..... i am Doubling up on ALL the insurance

In a grid down, SHTF, "great reset", I think PMs would be the wisest choice. Minus water, food, shelter, and lead( and lead dispensing devices). PMs are icing on the cake.

I have 1,495 ozs. of Silver (mostly 90% US coins) and 30 ozs. of Gold (1 oz. Maples and Krugerrands) which is about 40% of my assets. I keep the rest of my cash in 4 week US T-Bills, a nice "cash stash" and several online high yield savings accounts, with only $1,000 each. I have $4,000 of surplus cash every month, and I'll be buying more 4 week T-Bills with that going forward. I'm 66 and I'm very risk averse, so I won't be buying, Stocks, Real Estate, Bonds, Bitcoin, etc. and I believe my plan is has the lowest risk and allows me a lot of "flexibility" to access my cash and adjust my layout of assets as I needed to address risks and opportunities which present.

Wow, I'm right on targets for average net worth and metals value for age 53! Nice feeling! I think energy and commodities are also good to invest in right now. I like BCD ETF for that which also includes 20% metals. For green energy I like SETM. Uranium was a great investment and still has upside.

Platinum and palladium are worth investing in as well. Although more volatile the returns crush gold and silver. However, i wouldn't put more than 1/4 of PM metal in the two due to the volatility.

I found this video quite fascinating. It doesn't describe my own stacking journey very well but then it looks to be accurate on an average basis. I'm 74 years old now but did not start stacking until I was 61 years old. That was in 2010, so I have been at it for a while now. I retired at age 55 in late 2004. I did not need the money from SS benefits at age 62, so spent most of them on stacking. I started with silver, met my stacking goal for silver in 2019 and only buy silver now when it is something very attractive to me and at a good price. Such deals are rare but they do happen. I love 1880s-1890s Morgan dollars and 1964 Kennedy halves. I also have US 90% silver coins in dimes, quarters, halves, and dollars. About 1/3 of my silver stack is in US 90% silver coins. I also have a lot of silver Maples, ASEs, and a few 5-oz. bars. In 2013, I started stacking gold and continue to do that to this day. I like to buy quarterly and usually buy 2-5 ounces for each buy I make. When prices dip, I buy a little more, when prices rise I buy a little less. This is basically a modified long-term DCA approach to stacking. My net worth is at or slightly above the numbers in the chart, depending on how the stock market is doing. Currently, 20% of my net worth is in PMs and my plan is to raise that to not more than 25% via continuing to add gold to the stack until I meet my gold stacking goal. I am hoping that will occur sometime in late-2024 or mid-2025. I also am open to trading silver for gold if / when the GSR falls to 40:1 or less. I would do that in increments of 10% of my tradable silver stack and follow the GSR down in 2-3 number increments. I will continue this until 2/3 of my silver stack has been converted to gold or until the GSR goes back above 40:1. The US 90% silver will be kept as barter money or split among my heirs to do with as they choose. I know that this is not a perfect plan but it suits me and I am satisfied with it. I sleep very well knowing that my financial future does not hinge on the competency of our "leaders" or their fiscal acumen. Peace and joy to all in the stacking community. Enjoy your stacking journey and may it stand you in good stead.

Great content! Keep up the good fight!

If our country actually collapses (which is very close to happening), the dollar will be gone. What then? But, if the dollar continues to exist (doubtful), it will be highly inflated and impossible to buy anything with. Having less silver and more gold might be more difficult to actually spend gold. Gold might be too expensive to use in buying/trading for whatever as change received for the purchase will be in silver. Yes, silver is a storage problem. But, it might be better/easier to use in trade/purchase of whatever. I believe that for those 75+ might find having silver will be easier to work with from the point of purchasing anything.

I missed the cell for people who have more ounces in gold than in silver. 😄

Thank you Bald Guy Money for another great video! Your videos are the most useful…most informational…and the best presented on youtube! My allocations to PMs is exactly what you suggested! Thanks again and God bless you!

I started stacking almost exclusively in silver but as I get older I’m buying mostly gold. Most of this is because storage of silver gets cumbersome at some point. Oddly enough I have about 8% of my wealth in metals too but I’m 58

Great video thanks for sharing .

I have negative net worth, but I'm over the median for my age group. I'll die on the job, so IDGAF about retirement. Retirement is for successful people.

I hit one of those boxes right on, I agree very much with your recommendations

Great video. One context that you did not mention is that gold and silver stackers often preserve generational wealth. So, if you are in your 50’s with dependent children in your household, you should base your metal ratio on the ages of your kids. You also have the income to increase the valuation of their metal investment. As you said, the future macroeconomic events with industrial demand for green energy will yield better returns on silver.

You are definitely one of the top gold and silver channels on KZfaq.

Thanks for your research and your opinion

GREAT SHOW BALD GUY YOU DO SOME GREAT WORK.

Great Vid. BG. I'm at about 40% of my Net Worth in Precious Metals but I'm looking at it as more of a Generational helping hand as I don't believe that my Children will have the same Income earning opportunities that I have had. Thanks for your time and effort, much appreciated.

Grow wealth. Make dozens of informational websites, put revenue generating ads on them. Rake in bucks. LITERALLY ZERO risk. Preserve wealth. Take that money earned and buy metals.

THIS TOPIC is a great discussion point!!! Thank you. I have wondered if 2k oz of Ag would be enough?

You are a very good teacher. Thank you

Great new info here 💖

Thank you for the well detailed videos my brother 🙏🏽

I have about 50% networth in gold ..all money saved is to invest ..gold is very liquid but if i need cash i jus use pawn shops and loan my gold for cash.. then pay it back i keep stacking even as small as 5 grams ..it adds up over the years

Good morning, Bald Guy! 👋🏼

I'm heavier in gold because of the volatile location I reside. Transport is becoming more difficult and lugging out 700 oz (80 pounds!) of silver is a challenge. Everyone better check exit strategy for selling at worst. I need to build up cash/retirement reserves as what you suggested amounts I have not enough emergency fiat.

Good morning from LA (lower Alabama) 😊

Once the CBDC is implemented owning gold & silver will allow you to participate in the underground economy, where, for example you will be able to buy real meat instead of the bug-based "food" you are allowed in your Fifteen Minute City.

Agree totally on titanium and copper rounds. Pre-83 pennies, if pulled from the dwindling coinage supply, are 3x melt. A hobby at best... I do have $1k face. Another coin of value still to be found in circulation is war nickles.

If you want exposures to other metals such as titanium, copper, lithium, etc, you can buy ETFs and/or miners of those metals rather than the physical. I have physical gold, silver & a little platinum but don’t stack any other physical metals (other than a bucket of old pennies that keeps growing 😂), but I do own several mining stocks of other metals.

Keep stacking folks!!!!

After listening to this podcast, I’m thinking I have put way too much in metals, but I really don’t want real estate, and I’m afraid of his stock market right now. Ty for your insight, I think you lay out things very clearly that even I can understand what you are saying

Working on 1000 oz of gold, another residential property, and 100K in fiat...

Thanks for the video.

What are your thoughts on silver/gold as a means of passing on generational wealth? Maybe an interesting topic for future video Thanks😊

I have 1,150 Oz of Sterling silver and around 192oz of Gold bought when Gold was only $300 an Oz a Rario of 5/1 Gold , Silver cheers 🍻 mate regards from stewy Hudson and Family Birmingham city England 🍻 🇬🇧 👍 😀 👏 👌 🍻 🇬🇧

Unfortunately I don't think I really understood this video that good cuz there's no way I believe that the average net worth of the average American is anywhere near those number. It seems to me like all my friends are living paycheck to paycheck with barely any money in the bank and yeah it's great they make good paychecks but as soon as they get them they have to pay the credit card bills The day their job stops is the day that everything is going to collapse but I'll be honest I may not have understood this properly unfortunately. But I do always enjoy your videos Thank you for posting and I hope you have a great day.

Also excellent work warding off your viewers from silly ideas like Titanium stacking. The low prices and high markups are bad enough. Considering that Ti is a lightweight metal (i.e low density), storing and moving any amount capable netting a sizeable profit is a logistical nightmare.

Thank you

You need to do this for more broke people too bro. I'm almost 40 with a net worth of like 50k. This has me thinking I have way too much PMs

Volatility of silver is just day to day... I've seen it go from $4 to $23 since I have been watching it in the long run...

My guess 50oz gold and 3000oz silver, if I'm right can I have a prize please 🙂

Good morning Bald Guy nice video ! It’s cold in Michigan this Morning. Go Lions !

Could you add one commodity stock. To your broadcast. Maybe grains.

I wish you would have been around 6 years ago when I put everything into silver and gold. Did I make a mistake, yes and no. I missed out on a lot of gains in the stock market but my silver purchases were under 15 dollars and my gold purchases were between $1,150 and 1,200 dollars an ounce

Excellent Video

If you follow the Swiss - who as a people are the most wealthy in the EU, the typical Swiss banker recommendation for precious metals allocation [ as a differentiated asset class] as a % of your new worth is between 10 and 25%. And so this is what you do recommend - so if you trust the Swiss wealth preservation record - then you are bang on the money. Thank you for excellent content with high doses of well thought out common sense. You are appreciated. Please keep up the excellent content!

Titanium was at $12.50/troy oz a couple weeks ago. Titanium is 60% stronger than steel and 40% lighter than aluminum.... I really like titanium...it has gotten cheaper over the last 40 years...US was going to make a titanium sub but it was too expensive...soviet's built 2 sub capable of operating at 3000 feet...US Navy had to come up with newer torpedoes to deal with them...

PM's are my assets accumulated over 25+ years. I'm a recently divorced 68 year old and lost my home bought with my teacher's retirement. I now live on Soc. Sec. and in a more expensive area than the place I moved from. What I've stacked, is my security. Bald Guy, I believe stackers

They make copper rounds. They're called pre '82 pennies. ;)

Always enjoy your insights and transparency. My current stats: age=65 (retired), Net Worth Allocations to Metals=8.5%, Gold=88.5%, Silver=11.5%, GSR=9.9%. Liquid discretionary CASH within Net Worth (available for potentially adding more metals to current stack above)=+-1.5% (bringing metals allocations to +-10%). Thoughts or suggestions??? Thanks!!

China is putting up solar panels like crazy, and they are going to keep doing it. TopCon is the manufacture and their panels use the most silver. Solar is going to consume most of all silver in the next 3 years. Silver is going to be very valuable in the years to come.

I've got around 5% in mining stock and SLV as I only came into metals last year in Sept to supplement my 403B. As I see dips in spot price I'll expand that to maybe 7%. Right now I'm building a position in the Bitcoin ETF as I also want to have around 5% into crypto. Totally agree that everyone should have a % allocated into metals though. Whatever form you are comfortable with.

Confirms my suspicion that I am over allocated to metals. Another great video head and shoulders above the rest.

5-10% is good, but a bit low. Maybe 20-25% for those who prefer hard assets. 30-50% if you really want to be overweight metals

They say there is around 3 billion ounces of silver above ground held be investors, jewelry, etc. With 8 billion people on earth, you can see silver is fairly rare if divided between all humans. Even if 10% of all people on earth wanted silver, there would be no silver remaining as most stackers have hundreds of ounces, some thousands.

Most of my monies are in gold and properties and t bills. However properties in Singapore are getting hard to acquire due to high tax imposed by government to owners who own multiple properties, i will go into blue chip real estate ( govt linked) ETF for long term dividends as passive income and for long term capital appreciation., and of course i buy gold continually...

All my extra $ goes into silver, gold,food,ammo.

If can you treat silver as a lottery ticket, good for you !

I had no idea that there was titanium bullion. What a scam! We use it all the time for spacecraft but bullion makes no sense.

For the life of me I can’t figure out why anyone would think gold and silver are bad investments lol

Simply ❤ it

I would prefer the median for such considerations, the average is distorted by the ultra wealthy.1 Jeff with 100 000 000 000 and 99999 people with nothing, the average is : everybody is a millionaire, great society..Around the year 1900 the wage for unskilled labor was 1 ounce of gold per month, people had kids, 20% of women were working, 1,2 ounces was the budget for a family of 4 - 5. If gold keeps its buying power, 100 ounces should be a decent safety net for retirement. Hoping pensions lose their value slowly,

If silver ever got to $500 oz then something has gone bad and I don't know if it will really matter at that point

I'm 70. Average (not median) holdings. 60% PM exposure @ 25/75 Au/Ag. Only buying gold now. Reluctant to trade Ag->Au at current market ratios, but want to move that way.

Thank you BGM ! For my age (mid-70’s) my total percentage of precious metals value compared to my net worth is as you suggest but my silver holdings are twice as heavy according to your calculations! Should I be patient and wait till gold to silver ratio drops closer to 40-1 before I convert silver to gold ? What do you think? GBU 🙏🏼 3:29

My thought is, when (if)the US dollar crashes, and a new currency is introduced, be that Euros, Biden bucks, whatever. Then I can sell silver or gold for the new currency in order to pay bills or whatever the case may be until things normalize.

Im 43 and have half my net worth in gold and silver because at this point i dont trust the banks or government.

Hello Bald Guy! Love your channel and have been watching for some time. Ok, regarding this video, I think your numbers based on our current economy, are way beyond most middle-class people. With 60-plus percent of the US people failing to make monthly bills as of last quarter and the fact that the middle class is continuing to shrink, there is no way these amounts of metal could be stacked. Unless I am misunderstanding your thoughts. I'm 55 and per your chart, I should have 122.1 Oz of Gold and 2,687 oz of Silver? That would mean that a 55-year-old person should have ($268,000 in Gold and $67,000 in Silver) a total of about $335,000.00 in metals. The average median income in the US is only about $35,000 a year and you further believe the average 55-year-old to 64-year-old individual has a net worth of $1,567,000! Just curious, is that total net worth or without the metals included? Please explain where I am misunderstanding your chart.

I love Question 3: How much is too much? If you ask Egon Von Greyers (Matterhorn Asset Management) How much of my portfolio should I have in metals, he'd say "What ever you don't want to lose" LOL Great info. Keep 'Em Coming! Cheers

29 and 495

In general I feel people put too little into their metal allocation. What is this 5 to 15% stuff like what portfolio managers like to recommend? That's like saying I dont trust whats going on around me but hey if I lose the other 85% of my portfolio oh well. That's ok. The dollar has a 100% certainty of losing all its value. As far as I am concerned people are just playing with fire. As far as the amount of silver why not aim high? Why ever stop stacking? Make a goal and get to it and set a new goal. I am never satisfied with my stack. To be honest I am kind of shocked with both the 5 ounces of gold and 200 ounces of silver idea and the idea that a thousand silver ounces would be more than enough if silver went to a big amount. Its just not enough. I always love your videos but I am kind of put off by these little amounts of metal. I believe in being in an elite club of stackers. Everyone should aim to stack their best. Forgive me for sounding eccentric but I am passionate about this game.

This was fantastic information. I only started stacking in the last couple of years. So I have been allocating all of my extra money into mostly silver I only have 1.5 oz. of gold. According to your chart I'm doing quite well considering I'm now single an 59 yrs old. That gave me some peace of mind. I'm wondering if you're familiar with Bix Weir and how he says to swap your gold for silver for the time being until silver hits its high and then swap back into gold if you like gold. So interesting to see your preference for gold. What do you think of his information about the silver manipulation and the new global agreements re solar trippling.... Therefore silver shortages? Thanks so much for info on Titanium etc, won't go there.

I have 1500 oz silver and 5 oz gold. I think silver will do better in the future and is more useful for barter. I am going to stack gold in the future as I have reached my silver gold. Next gold target is 10 oz. I have a fair amount over the recommended amount for my age/worth.

13 gold to 288 silver ? Wow….don’t seem like enough , do it? For old age? Does that mean a person in that age group is living in a home without debt? Did you ever cover the typical person who lives of a fixed income of $1,200 a month. A lot of the old folks in the USA live on that kind of income. JUST A QUESTION.

What are your thoughts on me buying fractional gold like 1/10? I’m only asking because I can’t afford full oz of gold

what about Copper and Platinum?

Thank you BGM. I'm selling all my useless silver. Silver is a mugs game.