I get your lake of funds. We are in the midst of a depression and food lines/foodstamp lines are long. My suggestion is buy one ounce a month. Or once per paycheck. Better than all thosre high doller 401ks and pentions that could roll over in a day. I personnally flushed my pention and am all in. "If it is not in your hand..." Best of fortune, and Yah bless.