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A woman named Kelsey from Georgia recently wrote to “The Ramsey Show” with a very specific money dilemma. She and her husband are in their late 40s, have less than $100,000 saved for retirement, and have one last gift of silver coins sitting in a drawer; coins their mother-in-law asked them not to sell unless the dollar collapses in a post-apocalyptic scenario.

“She made us promise to keep the last and final batch for when the dollar has lost its value in a post-apocalyptic world,” Kelsey wrote. “Currently, silver spot prices are doing very well. And I’ve been pushing my husband to sell so that we can fully fund our big emergency fund and start investing.”

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Her husband, however, is stuck. He doesn’t want to go against his mother’s wishes, even though he’s also concerned about their lack of retirement savings.

George Kamel, co-host of the show, cut straight to the point. “There is a much higher chance you will retire broke than there is you’re going to need to cash in your silver in the apocalypse,” he said.

He added that it’s a sweet gesture from the mother-in-law, but “you’re grown adults. You get to choose what you do with the money.”

Kamel emphasized that the heart behind the gift was to help the couple, and right now, they clearly need the help. “This is going to help you to start investing so that you can build exponential wealth with compound growth instead of hanging on to your debts, not having an emergency fund,” he said.

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Co-host Rachel Cruze expressed concern about the strings attached to the gift. “I don’t like a gift with strings attached. It just feels weird that she’s still controlling the gift after it’s been given,” she said.

There was some humorous back-and-forth, too. “If it was the end of the world, who would you have [beside you]? Because they have to contribute,” Cruze joked, adding that silver wouldn’t feed a family when compared to, say, deer meat and a deep freezer. “I would say you and I are useless, George,” she said.

The conversation comes at an interesting financial moment. The U.S. dollar has lost nearly 10% of its value this year, while precious metals like gold and silver have surged. Gold recently hit historic highs, and silver prices are also spiking. Central banks and investors have been buying up gold as a hedge against inflation and economic uncertainty.