If you have to sell, find a dealer that pays more for actual coins, instead of rounds and bars. Rounds and bars will always sell at spot price, but coins should sell at a higher amount, depending on the year. For example, I have a tube of 2017 Silver Eagles, I also have a tube of silver rounds, an honest dealer will pay more for the Eagles. I buy both, that is my savings account. I know a guy who was a stacker, as myself, I was able to pay him for carpentry and painting and laying a floor with silver. He told me he came about hard times during Covid lockdowns and JM Bullion bought back, and paid the spot price at the time of sale, he did not lose anything because he waited for the price to go up.