We never had extra cash to purchase gold or silver. We had to use most of our retirement savings for a life-threatening medical situation for one of our children (after we retired) and haven't (and won't) be able to build it back better (or at all actually).
Sucks, but we can make it - not including debt payments.
Good news is you won't have debt, everyone is wiped clean. Bad news, if there are no government intervention, 90% of the population dies within 1 yr. Good news is there will be government intervention. Bad news, it will cost you your freedom, you will own nothing and be happy, enjoy the bugs!
Lets hope the plan is real and White Hats have a replacement economy. Good luck and GOD Bless!