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.
I'm not as nice as these other folks. We're too old to worry about credit scores, use what you have available to buy silver, get plenty of off the record cash to get you by when the banks shutter their doors, and get some long term food. File bankruptcy or just skip payments for 90 days and then 'settle' your debts or just quit answering the phone when the devils call you. This will be live or die, choose to live and let the banks die the horrible death they deserve. This was my go to approach before finally selling off some acreage and making sure we were debt free. It took everything I had to keep from skipping out on CC and consumer loan debt and using the excess cash for better things. Now is the time to make sure you are on good terms with people who are very well prepared and who understand that you can make a contribution to their survival plans. We are prepared to take on many people, but we won't be helping anyone who ignored and ridiculed our warnings and/or we know that they won't be of some benefit due to laziness, shitty attitude, or entitlement mentality. I do have about 20 acres that is pretty much non accessible most of the time due to a big creek that family who fits this bill can hang out on. That's all they get, the rest is up to them, they shouldn't have been hateful dumbasses.