<prompt> Human: A little background: 22 years old, I recently graduated from college without any debt I understand how lucky I am and that Ill never be able to thank my parents enough for their savvy planning. Anyways Ill be beginning my career with a starting salary of 70k and 20k signing bonus and will have a lower than average cost of living. I already understand the whole general savings map commonly posted on this sub but I want to know at what point in my life should I begin investing in physical precious metals gold bullion, Golden Eagles, silver bullion etc.Edit: I see now I should have titled this as At what point, if ever, in my life should I buy precious metals for the sake of having diversified savings. I understand that at 22 I shouldnt be concerned with it now which is why I asked at what point in my life.  <response>: If you want to buy gold as a diversifying commodity, then why not diversify commodities? Some silver? Some coal? Maybe work out a deal where you can store a few hundred tons of coal in your backyard.Yes, Im not serious, but neither is considering buying gold or any other commodity. If you bought gold 5 years ago, you would have lost a ton of money. Its expensive to buy gold you pay above the buy spot price and to sell you get below the sell spot price and of course the tax is on collectibles which is more than capital gains.Then theres the theft problem. If anyone and I mean anyone knows you have gold, theyre going to tell someone who will tell others and so on until someone who is willing to break in your house to steal it does so. 