Hi @merej99 ! Sorry it took me awhile to respond I had thought that the thread went dead. I read elsewhere to look at this as "Casino Money" ie, don't spend anything on Steem/Crypto that you wouldn't blow at a Casino, and not miss it later. No telling what the "low" will be, but diversifying is good also - I like Silver as well. My podcast page has dealer I recommend where you can get a starter pack around $100.