<prompt> Human: We have about 50K worth of gold jewelry thats sitting in the bank.Some info about us:We are a family of 4. We are currently renting and have been thinking about buying a home. She has a professional degree but is not working due to taking care of the kids. This will change in the future. I have no debt and she has a significant amount of student loans 120K. She is already on an income based repayment plan. She has her own small business and makes just enough to make cover business overhead costs and minimum student loan payments.I make enough to take care of all of our expenses but it doesnt leave much to save for a down payment.Is it a smart move to sell some or all of the gold and put that towards a down payment to purchase a home. Were in southern California so a decent sized home in a decent area will run about 300K - 350K.Assistant: It makes sense to sell the gold and invest the money elsewhere, whether or not to buy or rent is an entirely separate decision. Human: I know gold has appreciated quite a bit in the recent past. I wonder how it compares to the rate of appreciation of property.  <response>: Its also fallen to a 3 year low in the even more recent past. 