I am considering getting into PMs as a security measure, consequently I am not so focused on guessing where the price might go. Basically, I think it is prudent to believe another major, international economic crisis will occur and having some off-the-radar funds that could be traded might be useful. I know this is the reason some other people get into PMs, too. However, it begs the questions, "What might the next economic crisis look like?" and "How bad would things have to get before you started to use your stack?" The first question intrigues me the most. I am 60yo and will soon become a self-funded retiree. I have no debts and own my own home. I have a reasonable amount in super, probably enough to live on as things stand, perhaps topped-up by downsizing our home to release some equity. My own thoughts on a things that could go wrong would include lousy super returns, a falling house market and increasing inflation. Because some of my super is in the UK (but most of it here in Oz), a weakening of the GBP would be another possible negative. If all of these happened together, I'd be in trouble. What do the folks on here think? What does your "SHTF" scenario look like, and how likely do you think it to be? A final question, in such a scenario: how would PMs be used? Would high street buyers still operate? Would you barter, or do you think a PM black market would arise? How would we actually use our PMs?