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I got into PM in early February of this year. So I’m a noob as well. Always take care of your personal and family expenses first. Anything that is extra, should go into retirement savings. Whether or not retirement savings is buying PM or blue chip stocks, that is a discussion you need to have with your financial advisor or financial planner.
Buying PM can be slow and steady, it is not a race. If you can only afford 1 oz of silver per month, that’s OK. Everybody’s circumstances in life are different. What one person does (or doesn’t do) may be the correct decision, while for another person it isn’t.
To quote Ralph Emerson: life is a journey, not a destination. The same can be said of stacking PMs. Stack PM at your pace and what works for you. And in the end, everything will turn out well because you took the time to think about your future and took action to meet those goals.