It doesn't matter if your motive is retirement, a hedge against inflation, or just a defensive financial asset decision, the purchase of physical gold and/or silver is a prudent thing to do.
Owning physical gold or silver means you have a real asset, not a piece of paper or a digital certificate. It's more practical to sell, there's no three-day waiting period for a transfer, there's no default risk and perhaps most importantly in today's world of digital transactions, there's no hacking.
You can go online and find 10 or more reasons to be buying physical gold and silver and only one of those is because the price will rise. The key to remember is that physical gold and silver is the ultimate form of money.
So if you haven't already done so, find yourself a local, reputable coin/precious metals dealer and start including the purchase of gold and/or silver in your monthly budget.
Spend Wisely My Friends.....