Here's how most stacks get built. You buy some on a dip. You buy more when the news gets scary. You pay whatever the premium is that day. It goes in a drawer, or a box in the closet.
And the plan? "I'm never selling."
That's not a plan. That's how you end up giving it away one day... or watching your family give it away for you.
When the cycle turns, there are two ways to lose. Some people never sell, and ride the whole thing back down. Others panic and sell into a swamped coin shop at ten percent under spot... on the worst day to do it.
And the whole way up, the sharks are out. Fear-sellers pushing "special" coins at four times the fair price. Fake bars. IRA schemes that eat six figures before anyone reads the fine print.
You worked hard for that metal. It deserves better than a drawer and a guess.
The stack was step one. The plan is what makes it pay.