5 Reasons Gen Z Should Own Precious Metals

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This blog was written by an American living in South Carolina. The majority of the content (excluding your local tax laws) should be applicable for any other sovereign nation or red state. When using the words Bullion, Metals, or Precious Metals I’m specifically referring to physical gold and silver unless noted as they are the most common items to collect in the industry based on value and utility. If given enough time and resources―everyone has a shot at becoming a real life Scrooge McDuck!

   How many times have we heard the dystopian phrase, “You will own nothing and be happy.” repeated over the years? Too many to ignore. Just because the world becomes more digitized everyday doesn’t mean having physical items will become obsolete. In fact, certain items will continue to increase in value long-term regardless of cultural or political trends. Owning physical media and other tangible items has been steadily trending upward recently as more young people are realizing the problems associated with a digital only lifestyle. Precious metals offer a solution to the increasing problem of property ownership.

What about owning a house, land or a vehicle? Nope, unlike precious metals you have the right of use but do not fully own those items due to government issued property taxes, even if the property is 100% paid and clear of outstanding debt. The only thing we can actually own are things that don’t require yearly property taxes such as clothing, furniture, household items and electronic devices. Although, if a police search warrant has been issued against an individual based on probable cause, electronics can be seized.

Let’s consider our phones for example. By agreeing to the “Terms of Service” from various providers we are granted the right of use but do not own any part of the company or app(s) on our device. The same thing can be said for streaming services which encourage mega-corporations to keep pushing a subscription based lifestyle as physical property ownership becomes less desirable and attainable from one generation to the next. Prior to 1913 Americans owned, allodial title to property, free and clear of any liens or mortgages until the Federal Reserve Act (1913). The Federal Reserve (which is not federal and has no reserves) belongs to the District of Columbia (Washington, D.C.).

   Now that I have your attention! Yes, there are 3 ways to legally avoid paying taxes (filing an earned income report or 1099-K form) when purchasing metals and later selling them for a profit. (1) Red States (Republican) don’t include addition taxes in the final purchase price whether buying online from a regular person on eBay or established dealer such as APMEX, SD Bullion, or Bullion Exchanges. Your full time residence must be located in a red state to qualify. This rule should apply for in-person purchases made at local coin shops, trade shows, and pawn shops also. Blue States (Democratic) add sales tax to bullion purchases which makes collecting and stacking counter productive in my opinion.

(2) Sell on eBay or in person at a dealer or pawn shop. As of Q4 2026, if selling online through eBay, an individual would need to sell at least 200 items and clear $20,000 before eBay is required to send them a 1099-K form for tax filing purposes. They report gross payments not a seller’s profit after fees and shipping costs. Just because someone doesn’t meet the minimum threshold doesn’t mean they’re exempt from taxable obligations. Although, I’ve been filing my own taxes since 2007 and selling items online for over 10 years and have never had a problem with the IRS.

What if I want to sell a large amount at once? Technically you can but not discreetly. Selling $10,000 worth or more of precious metals at once means the business (pawn shop/dealer) has to file Form 8300 (for qualifying cash payments received by a business) with the IRS and FinCEN. This transaction will alert them that you just unloaded a large amount of metals during a single visit. If you absolutely must, wait at least 24hrs before selling again, keeping the transaction(s) under $10,000 to avoid notifying the authorities. I don’t know if the IRS automatically sends the seller a Form 1099-B for taxable reasons (I’m guessing they would) or if they just add the seller’s information to their database. But, if you want to remain ambiguous, I’d recommend selling small amounts throughout the year via online or in-person to avoid drawing unnecessary attention.

(3) Buy / Sell to family or friends. Use with caution as stacking precious metals should never come up in casual conversations with people you don’t know well or firmly trust. This could include coworkers, distant relatives or siblings. If you already know someone that collects or stacks metals they might be a reasonably safe alternative when compared to the options above.

David (9/28/26)

   Our modern world is filled with excessive amounts of cameras, tracking software, and phone towers. Almost everything and everyone is trackable in real time―except precious metals! Even within a technology driven environment, metals still have value and provide a large degree of privacy, assuming people stay quiet about it. That sounds easy enough but the exchanges have a digital record of all my purchases and home address right? Yeah, like any other website but the difference is they won’t know where the metals are stored after they’ve been delivered. Those metals don’t have to stay in one location. Who’s to say you even have access to them anymore? Maybe they were moved to another location or sold months ago to a stranger online.

The downside to this point would be loss or theft. It’s not like you’re going to be carrying bullion coins and bars in your pockets or purse every time you leave home so they shouldn’t go missing under normal conditions. Theft can easily be avoided by keeping your mouth shut! Don’t tell anyone (unless absolutely necessary) about your metals or where they’re stored. Pretend to know very little about alternative investments, economic trends, or market fundamentals regarding bullion. If circumstances change and people become desperate enough―telling everyone your business just to fill the silence can put a big flashing neon target on your back. If people don’t know about your bullion stack they won’t attempt to look for one.

Side Note: It’s my understanding that all precious metals fall into the same category as crypto currencies regarding a Financial Affidavit. Let’s say someone is drafting a Prenuptial Agreement with an attorney before getting married. He/she needs to disclose their current financial standings and net worth. Including all bullion (no matter the size of the holdings) is strongly recommended as there could be serious consequences down the road concerning the legitimacy of the paperwork if the individual were caught lying about their finances after it was notarized! (See; Natural Law vs Commercial Law)

1) 100% Property Ownership

2) Tax Free Gains

3) Non-Trackable Wealth

4) Become Your Own Bank

   If political unrest, inflation, volatility, diversification, loss, theft, economic reset, or being hacked are genuinely concerning for you then precious metals could be the solution. To a large degree metals are a technology resistant commodity. I don’t care how long someone has been researching events or how prepared they think they are for the next crisis (natural or staged). No one can predict how the future will unfold exactly. The best anyone can do is protect themselves by adding layers of diversification for the unknown.

Gold and silver are the only constitutional money America has ever had. The U.S. Constitution mentions gold and silver specifically in Article I, Section 10, Clause 1 which says: “No State shall enter into any Treaty, Alliance, or Confederation; grant Letters of Marque and Reprisal; coin Money; emit Bills of Credit; make any Thing but gold and silver Coin a Tender in Payment of Debts; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility.” This restriction applies to states not directly to the federal government. This is because Washington, D.C. is a federal district (corporation-like public entity for governance) geographically located within the United States.

   The Federal Reserve controls the flow of paper bills circulating throughout the US economy. The more paper in circulation―the higher prices of items will be. If less paper were in circulation―the lower the prices of items would be. This is largely based on the principal of scarcity which affects consumer prices for everyday goods and services. The Federal Reserve (which is not federal and has no reserves) belongs to the District of Columbia (Washington, D.C.). The entire idea of printing money is absurd, non-beneficial, unconstitutional, and causes massive division among citizens. Although, I’ve suspected America hasn’t been constitutional for a very long time (see The Secret New America). I’m all for capitalism but our financial system can’t be sustained forever as there’s too many problems and extreme amounts of debt.

Gold & Silver = Real Money (commodities with intrinsic value)

Fiat Currency = Government Approved Legal Tender Disguised as “Money”

The green paper bills (fiat currency) we use and digital numbers seen in our bank account(s) represent “real money” but have no intrinsic value besides blind faith and trust in the U.S. Government’s scam of a banking system. If your bank account(s) is large enough, the numbers you see on screen might not be available for a complete cash withdrawal, if requested. Most of the deposited money held within banks are used to make loans and buy securities. Since banks aren’t expecting a massive rush from customers demanding cash withdrawals―they only keep around 10% of deposits in their physical cash reserves.

This has been known for years. Well, at least our banks have FDIC insurance up to $250,000 right? Yes, but that includes all bank accounts owned by a single person (including joint accounts) not $250,000 maximum coverage per account. Besides, the FDIC has already been caught admitting there isn’t enough money in the system to cover every American citizen during a large scale financial crisis or cyber hacking event. All the more reason to Free Yourself from Corporate Slavery!

5) Stability for Thousands of Years

   For the longest time I ignorantly thought collecting or stacking metals was something our grandparents did out of boredom or limited financial options back in the day. No, there’s a good reason why bullion (specifically gold, silver, platinum, and palladium) have been used in various ways for thousands of years not only as bartering tools but also in modern industries. Precious metals are used in electronics, solar panels, mirrors/glass coatings/optics, jewelry, aviation, automotive, and medical fields just to name a few. Clearly the world needs metals to function properly and will continue to use them for decades to come, especially, as technology increases.

Historically speaking, holding gold and silver long-term (meaning several years) are almost guaranteed to increase in value due to scarcity alone as we don’t know how much of the earth’s metals remain undiscovered. They’ll always have real world utility and hold some form of value. Unlike chasing current trends, buying bullion is one of the safest positions to hold and isn’t considered a speculative investment based on its multi-thousand year track record. As with any financial strategy―the earlier someone starts the better. As the world becomes more digitized that doesn’t mean having physical items will become obsolete.

Forget opening a savings account or keeping large amounts of cash stagnant in a checking account. Buying metals would be a smarter option in the long-run as the expected percentage gained year over year should easily outperform any CD (certificate of deposit) or savings account yield. Keep enough in your bank account(s) to collectively cover expenses and emergencies for at least one year. Anything beyond that should be invested. Don’t expect bullion to perform like stocks or crypto meme coins as that’s not what they’re meant to do. But, owning gold and silver is a great way to combat inflation as the US dollar will inevitably continue to lose purchasing power based on excessive amounts of printing from the Federal Reserve System.

If you don't hold it―you don’t own it!