<prompt> Human: So last week I took a late night drunken uber with a few friends. I dont even remember why, but we started talking about personal finance. I was telling my friends who are kinda clueless about PF about all of the things Ive started doing 23 years old. Just contributed the max for 16 17 to my IRA. Im contributing up to the match on my 401K, and Ive just opened an online bank account at 1.1 APY. Thanks to stalking this sub I really feel like I learned a lot in a little time. Anyway the Uber driver hears me drunkenly talking about all of my PF success, and butts in to tell us all how Im wrong. He says everything is eventually going to crash and the best thing to invest in is goldsilver. He was actually really intellectual, and brought up a lot of historical facts about past economies that I have since forgotten. He mentioned he used to be a broker. Anyway I know what Im doing is right because of this sub, but was the Uber driver onto something with investing in gold in case of a crash or was he just all nonsense?  <response>: He used to be a broker and now he is an Uber driver...P.S. In anticipation of downvotes, Ill mention that I realize that there are probably some FI people that drive for Uber simply for the social experience, but I would be willing to bet some money that this guy isnt one of them. 