This is the Ramsey Call of the Day, part of the Ramsey Network.

Joining me today is Ramsey personality, Rachel Cruz.

So today's question comes from Jonathan in Kansas.

We have some money that we are waiting to invest in silver or gold.

Some people are saying that the centralized banking may fall apart and gold might actually

become the standard again.

What do you think of that?

I think some people spend too much time on the Internet.

Everything that's on the Internet is true.

Abraham Lincoln said that.

It's every, oh my gosh.

Every conspiracy theory in the world.

No, but seriously, though, it is, it's always there, though.

I mean, like, gold is all, it's been a fear type of idea.

You need to invest in it. You need to get it because of the fear of everything is going to crash.

Let's address two different subjects here. Okay. One is we have some money. We're waiting to invest in gold or silver.

Okay. First, we'll address that one. Okay. Never invest in gold or silver. Okay. The way you pick an investment

is you look at the track record of the rate of return of the investment. So if you're

going to buy a house for investment and the area around the house is blighted, crime-ridden,

full of trash, and the values are going down because the neighborhood sucks. That's the track record of the neighborhood. Common sense would

tell you, don't buy a house there, right? You look and see, are the homes well kept or are the cars up on blocks?

You know, you look and see, you know, is every other house foreclosed on on the street and boarded up and codes and rat infested?

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