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RE: Gold premiums dropping hard at my local coin shop! Reckless Crypto buyers are the reason they say.
The only way I'd sell any of my stacks is if I had a financial emergency. Otherwise, I'm holding until I retire, and I don't plan to ever quit working. Retirement? I am not sure what that is other than no longer having a day job, but I'd still be making money to make more money for me.
I only sell metal to pay debt if I have to.