I live in Canada, I did the research and started buying both gold and silver coins on almost a monthly basis starting about 12 years ago. I earn the wage of a Practical Nurse. This was when prices were affordable. Now it is a challenge to continue but I keep it up as best I can. I do buy into PHYS and PSLV ETFs as a convenient way of exposing my other investment funds to, however these do involve a degree of counter party risk and have certain conditions the investor must be aware of.