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.
That's what I'm saying... I feel the same way about families that are whippin a 15+ year old hoopty while paying full tuition...It wouldn't be right.