Whats an average Joe supposed to do!? Dollar going down, wages going down, cost going up

I doubt most Austrians would consider trading Federal Reserve Notes in for gold or silver “spending”. Others have inquired along these lines. Check out these:

Begining an adult life - How do I protect my meager wealth??

Seeking investment advice

You might also check out Schiff’s book Crash Proof 2.0, and Charles Goyette’s The Dollar Meltdown. In fact, there’s a whole section in the Mises Store on personal finance.