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All you need is $5 in Common U.S. Coinage to start... Exchange it for a Half Ounce $5 Silver Coin in Phase One... Exchange the $5 Silver Coin for a Half Ounce $50 Silver Coin in Phase Two, then Exchange the $50 Silver Coin for a Half Ounce $100 Silver Coin... Once you have the Half Ounce, $100 Silver Coin, I'm sure there will be someone willing to Trade you their $50 Gold Buffalo for your Half Ounce, $100 Silver Coin during Phase Three... There may be Collector Premiums attached , so keep that in mind...