Welcome to the forum. I believe you are correct to save up everything you can for now. Invest your time in reading the old threads and the Buyers/Sellers section of the forum(there's a button at the top of every page).
This education you can gain by reading will pay off in profits for you and you will not hate yourself for getting ripped off.
Also we don't get into recovery/refining of gold and other PM's on this forum due to the complexity and hazards. There is another forum set up for those who want to investigate refining. 73, Mike
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