How do I determine financial value? Well, is anyone envious of what I own? Or am I envious of their property? As a coin collector, it's obvious that I can hold a piece of metal in my hand and admire it. Or be proud that I have a collection that no one else does. But, to me that's not really financial value. I need to be secure in my future and my safety. If my metal coins provide that, that's good. If not, they're worthless and I need to look elsewhere.