Why the Property Ladder is Collapsing for Young People - and What They Can Do To Circumvent It

Living on Your Terms in Your 20s: The Unseen Opportunity

The most surprising person to come along to the pub when I attempted not to be the only rich man in the village was a 19-year-old man.

He is currently in college studying economics and he was/is intending to go on to University and continue his studies.

He was fascinated by economics and he knew a heck of a lot about real economics, not just the garbage they force-feed economic students to turn them into Keynesian drones.

I was commenting on one thing and he cut into the conversation to demonstrate a deeper understanding to the point I was making. So I shut up and let him speak. I think it’s fair to say that he shocked everyone there with his bleeding-edge understanding of that situation.

I said to him, “You did not learn that in college did you?” ‘No. I had to look outside of what they were teaching me to learn the real stuff” he replied. At this point I was very impressed. He was at college, he was consuming what they were teaching him but, thanks to his interest in the subject, he saw past their limitations to find the answers for himself - very impressive IMO.

Most people who have been brainwashed by mainstream education are by far the hardest to convert. And here was this young man, very well versed in a lot of what I was talking about.

Changing the subject slightly… So from one point of view I have now given you three examples of the people who attended my get together in the local pub. An older couple, a local businessman, and a college student.

They all had one thing in common. They were all already looking into gold and silver and already knew that the way things were about to change. And that what they were being told was real was, in fact, not real. They all already had a basic grasp. Of what I was going to say regarding gold and silver.

So it was at this point I realised my attempt to educate the uneducated had 100% failed! Something which I find quite funny and sad at the same time.

It hasn’t deterred me from meeting up again with other people, potentially even ones who are not already trying to see what’s going on in the financial world. But it did demonstrate the scale of the problem.

99.5% of people have zero idea they are walking through a minefield with a blindfold on.

99.5% of people, that’s 199 people out of 200, have zero idea they are in real trouble. Or at least have not begun looking for a solution to their own problem. This is a severe case of Unconscious Incompetence and it is everywhere in society.

I live in a small village in West Sussex with approximately 2,500 people in it. So it is reasonable to assume now that only 13 to 25 people are even considering the problem… Let alone using the opportunity to fabulously increase their financial position in life.

Hence, I still have work to do to ensure I am not the only rich man in the village!

But back to where I intend to go with this message today…

Today, we are seeing mass disillusionment in the under-30s generation. In the UK, the idea of home ownership is almost off the table.

That said, two of my friends’ children, a 26-year-old and a 24-year-old, have both recently achieved saving up a 25% deposit and buying a £190,000 flat / apartment each. They achieved this without their parents’ financial support. So a real achievement!

All they had to do was work long hours, (fair enough), and save since they were 18 years old (reasonable), avoid girlfriends (unreasonable), and mainly avoid a normal social life (totally unacceptable).

When I bought my first home in the late 1980s, even when interest rates started at 11.5% and went up from there, you could still live. You didn’t have to lock yourself away from society to buy a home.

So what choice do this college student and my children have now?

My son, David, lives more than any man of his age that I know of. Sure, he goes away on holiday with me a fair bit, and I travel a lot. But he probably has twice, or even three times the number of trips that I go on. My daughter, Sarah, probably goes on twice as many trips as I do. They are really living in my opinion.

Neither of them have conventional jobs. David works mainly for / with me when he wants to, when he’s not away. He also trains people in groups and one-to-one on Scooter skills. Sarah does one day a week at a local village store, she makes jewellery, does some work for me and she teaches dancing too. Neither of them have careers. They are just living.

But they both save by buying silver. After attending the first two Bullion Voyage events they now also both trade mining stocks, and they are good at it. So they are both living, doing what they love to do, whilst they are saving in silver and beginning to generate wealth through investment. They don’t know this but, when they demonstrate their ability to trade well enough, I’ll be giving them some more money to grow.

Please understand, I pay them a reasonable amount but I do not pay them well. Not because I can’t afford to, just I do not want them to grow to need it. I do not dish out money to them (so far). I didn’t give them their funds to begin their trading accounts. I just guided them when they asked me to.

At some point, in the next five years, their silver and their investments, coupled with asset value depreciation, will mean if they want to buy their own property, then they will be able to do so.

I think it’s fair to say that both of my children are the least well paid out of all their friends, yet they both have already acquired not insignificant savings. But most importantly in my opinion, they are living life on their terms.

Now don’t get me wrong, David and Sarah are not on a level playing field with other young people.

We live in a big house and we are not tripping over each other. We all spend a lot of time travelling, so we don’t really irritate each other. Unlike when I was younger than them and still lived with my parents and brother in a normal three-bed home. Tempers frayed often to say the least. So moving out was more of a ‘have to do’ rather than ‘can wait until the best time to do’.

In the 80’s there was a lot less need for delayed gratification where it came to buying a home. We only needed a 5% deposit and the checks made by the mortgage company included writing to my boss and getting him to say what my salary was. I got him to inflate that to get me into my first home. Young people today don’t have those sorts of advantages.

Today, they are turned down for a £1,000 a month mortgage because they can’t afford it, so instead have to pay £1,500 to $1,750 so that they can rent instead. The system really is screwing them.

So in my opinion, they need to find a better way. It wasn’t plain sailing for me either; I had to buy with other people to get into my first property.

But whichever way I look at it, the young people of today have it far harder than I did to get started on the ‘normal’ property ladder approach.

But the funny thing is, they have an easier way of getting a home than we had. All they have to do is buy silver and wait. If they can learn delayed gratification, then they will likely be able to live without a mortgage.

Five ounces of gold today would cost someone $20,000. Yet five ounces of gold bought a 6 bedroom house in the centre of Berlin in 1923. The approximate value of that today is $3,000,000. So $20,000 could buy $3,000,000 of value if, and it is still a big IF, if FIAT currencies (the ones we use on a day-to-day basis) go to their intrinsic value. Which is approximately zero.

As you see from these images, they’re going for it:

But silver is far more likely to have a higher capital appreciation than gold. Historically, silver was valued at approximately 16oz silver to 1oz gold. This is because of the amount of silver available in the ground compared to gold.

Currently the gold silver ratio is 82oz silver to 1oz gold. But this is just the financial ratio and markets make mistakes. Silver is currently coming out of the ground at a 7:1 ratio. So I presume to say, this ratio will find its natural level as FIAT currencies continue their descent towards zero. Let’s not forget, silver used to be money afterall…

So, to carry on the presumption, this means investing in silver should, at some point, automatically provide you an 11.71 multiple on the price just to regain the natural, current in the ground ratio. So just buying silver, and the price of gold staying the same, should get you an 1,171% gain.

Which will be nice…

Today a one ounce silver bar in the UK costs £50.39 to buy. A one ounce silver Britannia coin in the UK costs £53.51 to buy.

The silver value in this purchase is £36.98 (this is the spot price).

So how do they reach the higher prices:

• 1 ounce silver £50.39 - less VAT of £8.40 = £41.99 - less sales commission of £5.01 = £36.98 spot silver price.

• 1 ounce silver Britannia £53.51 - less VAT of £10.70 = £42.81 - less sales commission £4.01 (assumed) = £37.80 - less minting cost £1.82 (assumed) = £36.98 spot silver price.

Now let’s factor in an 1,171% gain (approx figures for demonstration purposes):

• 1 ounce silver £50.39 = £590.06 - less costs = £539.68 gain - after capital gains tax @28% = £388.57.

• 1 ounce silver Britannia £53.51 = £626.69 - less costs = £573.09 gain - after tax = £573.09.

There is no capital gains tax on UK Britannia coins for UK residents. Which means a 47.48% extra gain over buying silver bars, all thanks to paying an extra 6.19% investment at the start.

People are put off buying silver in the UK because of the VAT element. Suck it up buttercup, because this is the cost of doing business and getting your hands on a potentially life-changing gain!

I actually like the fact they charge VAT in the UK as it has helped supress the silver price in time for me to acquire lots of it.

In my opinion, silver stacking is a smart investment, a very smart investment… Once you have it, you own money. There is no third party who can default and call in their currency. There is no threat of a digital currency, as you own money - you are your own central bank!

But wait, there’s more…

Where is the price of gold going over the next few years? Because silver is tied to it, even if it is currently stretched to clown world proportions, silver is tied to gold and gold is being bought en masse by the people who have the most money, a.k.a. Central Banks and Countries…

So the gold price is going up, and it’s going up a lot. But the mainstream doesn’t want you to know this… The banks don’t want you to know this… The governments don’t want you to know this…

They want to treat you like mushrooms, keep you in the dark and feed you shit… Until all of a sudden you find out what you think of as money is all but worthless compared to gold. How do you feel about that?

If you don’t own precious metals, you have zero insurance against something happening to you that has happened 100% of the time in history… How do you feel about it now?

Most geo-economic analysts think gold is going north of $20,000 an ounce (£15,260). So a 400% gain on today’s price.

But silver at that price, and with an adjusted gold silver ratio, would put silver at $2,860 (£2,180)…

Which means buying a Silver Britannia in the UK today for £53.51 with a potential gain of 4,074% would seem like a pretty good, long-shot bet.

Making over £2,100 for every £54 you put in seems like a good thing to me, but maybe I’m missing something…

Will it get there? Who knows? But do you know any other bets that have this much opportunity combined with this degree of likelihood?

No. Silver is the most undervalued asset on the planet. Period.

In the last week, the USA just made silver a critical mineral.

And China just slammed the door on silver exports in the last week.

In the last three weeks, the world’s primary silver market, the LBMA in London, ran out of silver.

Currently, this market is in default and expected to fail as it cannot resupply thanks to the structural deficit of silver in the world.

Did I mention that they are only mining 820 million ounces of silver each year but using somewhere between 1,250 and 1,500 million ounces?… This structural deficit has been going on for five years now and the world is about to run out of silver! Hence the LBMA not being able to re-supply.

This means the likelihood of a structural short squeeze happening is ridiculously high - will it happen? I don’t know… But if it does, all those mad figures I covered above can all play out really quickly…

Don’t believe me? I don’t blame you. But not long ago Rhodium went from up well over 3,000% in just a couple of years…

Now have you heard any of this on the news?

What about from a Financial Advisor?

Surely, your pension fund has pointed this out to you?

Of course not.

The powers that be do not want you realising what the economic world’s Achilles heel is.

The secret to changing the world is really simple - move your money into silver and all the change you want to see in the world will come about as a result of this. It won’t be pretty but it will get there eventually. And you will also be rich!

Did you know that three weeks ago all silver sales stopped all over the world, almost on the same day. Did you know about that?

No. The powers that be do not want you realising what the economic world’s Achilles heel is.

Three weeks ago, people instinctively began to rush to silver and it went from a few queues to all coin shops closing their doors and all silver being out of stock everywhere…

Why did this happen?

It’s a psychological event which comes deep out of human psychology, which is actually also an economic law, that close to 100% of people do not know even exists.

But instinctively, during times of economic turmoil, this psychology compels people to act and they don’t really know why. They just react.

It is in you too, you just haven’t experienced it yet. Or if you did experience it, then you probably couldn’t explain it on an intellectual level. I couldn’t until I went and looked it up.

I will cover it in detail in my next message to you and I will show you the point at which it will break out all around you.

But back to the original message…

So my 19-year-old new friend, my children in their 20s and everyone under 30 who doesn’t NEED to move out of their parents’ home or doesn’t NEED to buy their own home… All have the opportunity of saving in silver and waiting for silver price appreciation to come along. And this is going to be combined with depreciation of value in all assets which are accounted for in FIAT currencies…

Or to put it simpler, silver is going to go up massively, and real estate is going to massively drop in value. So an asymmetric trade opportunity exists for those with eyes to see it, for those who have time, and for those who can delay their gratification for five to ten years. It is not a perfect asymmetric trade opportunity, as a number of things have to work out, but I think you get my point.

So if I was living in a big home with my parents who were not too much of a drag on me, and I could spend my 20’s travelling the world intermixed with periods of doing some actual work on my terms, whilst saving in silver and investing in precious metals mining stocks, then that is EXACTLY what I would’ve chosen had I found myself in the situation my children find themselves in today.

So my 19-year-old friend has the deck stacked against him. But if he accepts the situation, saves in silver, and enjoys his life, then he is highly likely to find himself having had a better first decade of his working life than I ever had and also owning a property, mortgage-free, before his mid-thirties…

So he could find that the deck being stacked against him ended up being the very best thing for his life… If he chooses to look at it that way and embrace the opportunity.

Best wishes,

Andy

P.S. You may remember the chat I held for the people who live near me. This was where I explained why and how to get into gold and silver.

Well, if you’d like to join a friendly, straight-talking session on precious metals, I’m hosting a live webinar: “The Local’s Guide to Gold & Silver Investing” on Friday, 14 November 2025 at 3:00 pm GMT.

We’ll dive into exactly what I covered with the people in my village. I’ll cover some of the basics and some of what’s really going on with gold and silver, why now might be a good time to act, and how you don’t have to be “the only rich man in the village” when it comes to making sense of this asset class.

Click here to reserve your spot and receive the join-link → [REGISTRATION LINK]


My thesis for why I think this way:

Fiat currency is fundamentally broken. Since 1971 it has lost over 99% of its value, and that decline is accelerating. Governments are too far off‐course to reverse this trend. So they will likely resort to hyperinflation as the easy way out. While people see prices rising, they don’t always see how rapidly their purchasing power is eroding. The implication: pensions, savings, and assets accounted for with government money are at grave risk. To guard against this scenario, individuals should move at least 5% of their assets into physical gold and silver that they hold directly.