Hey Ash, you do realize that you're talking to a bunch of pilots, right?
These are the same guys that gave up normal education and careers and lives and health and home to become indebted and/or risk their lives for years and decades just to end up where they are now, flying airplanes back and forth for hours on end..
Also, 75% of these guys would rather fly (again) for 5 hours to nowhere a 90-kt C-152 than buy an half an ounce of gold today, and much less would have when it was selling at less than half the price 5 years ago....the same guys who take their 50-70K housing allowance and spend it on rent rather than building equity.
I'm quite sure you lost the audience you were seeking with the big word in your subject.