
Book 1 · Gold
Gold Before It’s Too Late?
The honest retiree’s guide to owning gold.
- Six ways to own gold, compared side by side
- The spot price: the one number to know before you pay
- How a gold IRA really works, and how gold is taxed when you sell
The Hard Money Series · 3 honest guides
Three short, large-print books for retirees: how gold really works, how to buy and sell silver without overpaying, and 31 ways to make a fixed income last. We sell no metals and take no commissions, so we have nothing to push.
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Or buy one book for $21 ↓The honest alternative
If you are over 60 and have savings, you have probably heard the pitch. Here is what we do instead.
Pick your book
Short chapters. Real numbers. Read each one in an evening, then keep it by your chair.

Book 1 · Gold
The honest retiree’s guide to owning gold.

Book 2 · Silver
Buy, store and sell the smart way.

Book 3 · Inflation
31 ways to make your money last.
Want all three? Get the bundle for $49 and save $41.
Why not wait
The extra you pay above the metal’s value is called the premium. It comes out of your pocket before the price moves a single cent. One example, in round numbers:
The math: $10,000 × 15% = $1,500 · $10,000 × 4% = $400 · $1,500 − $400 = $1,100
Illustrative example only, not a quote, a forecast or a recommendation. Real premiums depend on the product, its size and the market on the day, and they are not taken from any seller. Selling back adds its own spread, which the books explain.
What $100 bought in 2000 cost about $182 in 2024. Source: U.S. Bureau of Labor Statistics, CPI-U annual averages (172.2 in 2000, 313.7 in 2024): 313.7 ÷ 172.2 ≈ 1.82. That is why a fixed income needs a plan.
The complete set
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Questions
Right after you pay, you get a download link on screen and by email. Each book is a PDF. It opens on any phone, tablet or computer, and it prints well.
No. We sell no metals of any kind and take no dealer commissions or referral fees. We only sell these books, so we have no reason to push you toward buying anything else.
Yes. Each book is $21 on its own. If you want all three, the bundle is $49 and saves you $41.
Educational only. These guides are not investment, financial, legal or tax advice, and they do not tell you what to buy, sell or hold. They make no price predictions and name no dealers or products to buy. All examples are illustrative and rounded. Prices, premiums, tax rules and programs change, so check current figures with official sources and talk to a licensed professional about your own situation. No result is guaranteed.
Before you buy any gold or silver, know the spot price, the premium and the buy-back price. These 3 guides show you how, in plain English.
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