Last year, we starting collecting silver. We wanted to get some gold, but couldn't afford it. This year, we were out of work with covid (unvaxxed) and hubby hasn't worked since the beginning of January, has used up his FMLA and this week he used the last of his vacation time for the whole year. If the pulmonologist next week doesn't clear him to go back to work, we will be financially screwed. We know that everything has to have perfect timing for all of this, however we could really use some financial freedom now. I am thankful that we don't have a mortgage, so we don't have to worry about losing our home. God Bless us all!