<prompt> Human: I just dug my way out of a 3 year financial nightmare of employment issues. Now with a steady job, consistent overtime, and benefits behind me Ive set up a plan to pay off my credit cards, feed an emergency fund, and save for large purchases. Silver stacking has caught my eye and Ive been contemplating taking 20 from each check that would normally go toward entertainment and purchasing 1 ounce of silver. Is this a legit strategy or should that 20 be sent to my IRA?  <response>: 20 in silver is better than 20 in entertainment but nowhere near as smart financially as 20 in the IRA. Youll get tax advantages and much better returns over time with an index fund in an IRA. 