Peter, I used to do exactly the same thing and then a very successful man made me realize I was focused on the wrong things. The successful wealth builder focus on the offense, not the defense, the income not the expenses, on what they can control not what they can’t control I can control my income. I cannot control the cost of things. This is the problem with the pessimist. They’re always trying to reduce their cost rather than increase their income, trying to control what they spend rather than what they earn, protecting against the downside rather than going all in on the upside. This way of thinking kept me poorer for much of my life. It was all ideas adopted from my parents and grandparents, which I expect where you got your scarcity thinking. I’m not trying to convince you of another way of thinking as I think it’s probably too late for you. My experience is you’re so embedded in your bias that you would never let go of it… Thus the fixation to gold & Silver and the world one day coming to an end. Love Grant