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just get a job and pay the $15... that's a price that never changed
November of 2022 is when it increased from $12, to $15 per month.
January of 2020 is when it increased from $10, to $12 per month.
Silver price will always change as the cost of gold increases/decreases very often so its best to save as much as possible or just buy Gold with your silver every chance you get.
1-year of Premium is 36,000 Gold and will never change, so it is much wiser to buy premium with Gold as it is a flat price compared to using silver which will continue to rise and fall unpredictably.
In 2021, Gold prices were around 3,200 silver & 115.2m Silver for 1-year premium.
Now, as of 7/9/2024, gold prices are around 7,125 silver & 257.1m Silver for 1-year premium.