I do not know one person who cannot afford to stack precious metals. I do not have much money but I looked at things I wasted money on like sodas, junk food, alcohol and tobacco. I stopped them all and I took that money a little at a time after everything NESESSARY was paid and started buying PM with that old wasted money. Prayer took away my addictions and gave me a clear mind and things look alot different for me three years later.