Beware of the "Monetary Metals" being advertised by a bunch of podcasters and YouTubers as of late. If you look into them you'll see that they're going heavy on marketing right now because they're basically underwater from over leveraging and all that jazz. They're trying to use your money to give out risky loans and make money off of your provided capital. Don't do it for the pittance they're offering. Always ask where the yield comes from.