re: Various Financial Questions

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$416 (Max) to Roth (Diversify as you suggested)
$300 to purchase metals (Have become interested recently)
$100 to play in stocks
$200 to savings

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Disclaimer: I can advise on investing, I can't advise on spending. That's just to what you enjoy.

The Roth allocation, stock play, and savings are all golden. The $300 for metals can be looked at essentially the same as $300 for baseball cards, stamps, or any other sort of collectible you either place some sort of sentimental value on or have an expectation that it will increase in value. If metals is your thing, then by all means do it. Just make sure you get physical and not an ETF or receipt. If you were to ask me what I would personally do, I'd increase savings and use the other $300 for bar tabs and girls with low self-esteem.