comment to blaineage - if you are reinvesting your rv money into something like EFT's or stock market) for silver or gold that might differ you capital gains? ( I will only hold physical silver or gold) EFT's are not backed by sufficient silver/gold from what I've read. My understanding is if you keep each purchases/sell of gold and silver under $10K I believe it is not reported to the IRS but you should do your own due diligence and talk to a coin dealer to verify. Make sure you shop around because the spread varies. I also like buying simple one to 10 oz bullion of .999 fine and I do not pay extra for nusimatic. Franklin halves pre 1964 are 90% silver and if you are of the mind that the US is taking a fall and that money will not be worth anything, franklin halves might be useful for barter? Just my way of thinking again. From experience I can tell you that if you are not use to having alot of money you will not keep it long. I was warned and the only smart thing I did was buy silver and gold. Purchasing silver/gold makes could help hold onto some capital longer and I was very thankful when I did that. Also, should this RV happen, I will pay off everything, again from experience I thought I would keep paying house payments for tax benetfits. It didn't that but 3-4 years (when the money was gone) to relize the error of my thinking. None of my comments are to be taken as financial advice. I am only sharing my personal thoughts and what I have done to hopefully spark a desire in others to start expanding their thinking before they come into any real money.