The average American who is reliant upon an IRA or 401K plan or other retirement accounts that are invested in the US equity and debt markets is going to be devastated if those markets collapse in the years ahead. There goes their retirement. We believe that holding a portion of assets in physical gold and silver or cryptocurrencies is the best protection anyone can have in this scenario. Some folks recommend 10% or 20% should be in gold or silver. The most aggressive will say a third in gold, or even half in gold. You need to make the decision for yourself.