I have no experience other than doing some reading the past couple weeks. Out of impulse I bought 2 golden eagles today with a high premium of $160. (Seems standard in my area today) Now I'm kinda of having impulse regret, wondering if it was stupid to buy with such high premium?? But then on the other hand, is it really going to get any better in the long term? I was going to buy 2 more whenever I can find them available again in my area... But now I'm going back and forth. I wouldn't really plan on cashing out for at least 5 years... so I couldn't go wrong, right? Do premiums really fluctuate that much? Even if premiums go back down, the spot price could go up by then too??