This is a great topic of conversation. I think a lot of people find a combined 10% of networth to be daunting and/or confusing depending on one's networth and how one is determining this figure. If someone has an inflated networth due to estimated home equity, then it might be hard to get to 10% of that figure. If someone has investments at all - be it crypto, stocks, bonds, whatever - I would consider getting at least 10% of that into gold and silver. And don't forget to re-balance allocations every so often. This will help ease the lows in the crypto market if you have reallocated some of your gains into gold/silver.