That’s the nice thing about stacking and saving. There’s always emergency funds available when you really need it. My hip replacement cost me a gold buffalo, but was no sweat for my normal fixed income stream. For decades I gave my nephews and nieces a yearly silver eagle for Christmas. That discontinued after I retired. But a few years back one nephew had bought a house and funds were tight. Then he discovered he had a yard to care for! lol He sent me a note thanking me again for the collection of silver eagles I had sent over the years. He cashed them in to pay for the needed lawn equipment he never thought about. So the eagles were put to good use for needed capital equipment.
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