Sold My House, Bought 5,000oz Silver - Here's Why I'm Not Worried

Описание: Sold My House, Bought 5,000oz Silver - Here's Why I'm Not Worried

I sold my four‑bedroom house in a “can’t lose” suburb… and turned almost all the equity into 5,000+ ounces of physical silver.

My advisor thought I’d lost it. Family and friends still think it’s a mid‑life crisis.

It wasn’t emotional. It was mathematical.

When you actually add up the true cost of home ownership, adjust for inflation, overlay the current stage of the global debt cycle, and compare that to today’s silver setup (multi‑year deficits, industrial demand, East–West price gap, and historic gold–silver ratio), keeping the house looked riskier than reallocating into silver.

In this video I break down:

The exact numbers behind my house sale
Why my “$160K gain” was actually a real‑terms loss
Renting vs owning once you include taxes, maintenance, HOA, and inflation
Where we are in the long‑term debt cycle (Dalio / Marks framework)
Why silver specifically (not just gold, Bitcoin or cash)
Six years of structural deficits and industrial demand that can’t be turned off
The East–West price divergence and what it really signals
The gold‑silver ratio math and realistic upside scenarios
Documented manipulation vs conspiracy talk
The full bearish case: deflation, timing, government intervention, being wrong
How I sized this position so I can sleep at night
TIMESTAMPS

0:00 – Why I sold my house and bought 5,000oz of silver
1:30 – Trust framework: don’t believe me, verify me
3:00 – Real numbers: true cost of owning the house
5:30 – The macro framework: where we are in the debt cycle
8:30 – Why silver specifically (not just “metals”)
11:00 – Manipulation: what’s documented vs speculation
13:00 – The full bearish case (how this trade could fail)
14:30 – Summary: house vs silver in this stage of the cycle
16:00 – Why I’m not worried + what happens next

KEY DATA POINTS

House & Cash Flow

Purchase price (2019): $285,000
Sale price (2024): $445,000
Mortgage interest paid (5 yrs): $67,000
Property taxes (5 yrs): $38,000
Maintenance / repairs / HOA / insurance: $41,000
Closing costs (buy + sell): $35,200
Total cost of ownership (5 yrs): $181,200
“Gain” after real costs: –$21,200 (loss) before inflation
Inflation‑adjusted sale value (2019 dollars): ~$371,000
Rent vs Own

Old all‑in monthly ownership cost: ~$3,340
Current rent for comparable place: $2,400
Monthly saving while capital sits in silver: ~$940
Silver Allocation

Capital converted to silver: $375,000
Ounces purchased: ≈5,147 oz
Average cost basis: ~$73/oz
Silver 2019: $14.87/oz → Today: ≈$76/oz
Approx. increase since 2019: ~411%
Macro & Silver Fundamentals

Debt‑to‑GDP: US ~124%
M2 money supply since 2020: +40%
Silver deficits: 6 consecutive years
Annual mine supply: ~830M oz
Industrial demand: ~680M oz (solar, EVs, electronics, medical, etc.)
COMEX registered silver: ~90M oz vs 294M oz open interest
East–West gap: Shanghai around $86, West around $76 (≈$10 premium)
Gold price used: ~$4,960 → gold–silver ratio ~65:1
At 47:1 → silver ≈ $106
At 30:1 → silver ≈ $166
At 15:1 → silver ≈ $333 (with current gold price)
DISCLAIMER

This video is for educational and informational purposes only. I am not a financial advisor. Nothing here is financial, investment, or trading advice. I’m sharing my personal decisions and analysis so you can see the framework, then do your own research.

Your income, savings, family situation, time horizon, and risk tolerance are different from mine. Never copy a strategy just because you saw it on YouTube. Verify every data point, stress‑test the assumptions, and speak with a licensed professional before making major financial decisions.

Past performance (of silver, real estate, or anything else) does not guarantee future results. Silver is volatile and can move sharply in both directions.

Drop your thoughts in the comments:

Would you ever trade a house for hard assets?
What’s your target ratio of real estate vs metals vs cash?
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