I’ve had a difficult time sleeping for decades now. Good luck with that. As for the silver selling, while I’m quite sure you cost average is doing well. With the gold price so high and the gold to silver ratio ridiculous. Now is not the time to convert silver to gold at all Saver. Right now the ratio is roughly 87-1. If it gets into the low 70’s I’d personally consider it. But in the 80’s is a complete loss of your value. You will lose money doing the swap anywhere in the 80’s. Be patient Saver, I just have a feeling that sometime this year we will have a chance to convert.