Pay down mortgage or buy PM's
Who knows for sure? A year ago I bought PMs, since then they have gone up a bit in value, with lots of volatility imbetween. Had I just paid off my mortgage in a lump sum, or several large installments - I would now have less stress about bills, income, job security, etc. (Although a nice stack is fun to fondle!) Stacks are nice as wealth preservation and perhaps capital appreciation, but not real good as monthly income/cash flow. I believe as many here that an economic collapse will probably happen, but when is the real question. At that time gold/silver could be extremely valuable. And... that collapse may be still years away. If I were to have a "do over", I'd pay off mortgage, then start stacking with the freed up cash flow.
I'd say it depends on your financial situation, if you dont have half a mill or more your best bet is to keep paying minimum mortgage payments and stack at the same time. The primary reason for this is timing, no one knows when TSGHTF, dont get caught with your pants down by paying extra towards a mortgage on a house you may not get to own and the bank can foreclose and take all that extra equity you paid on it if you lost your job.. what they CANT take is your stack... IF you're diligent enough to have one hiding somewhere.