Xu Gaoming, an ex-fisheries clerk in China who started jewelry brand Laopu Gold in 2016, has amassed a $9 billion fortune.

You can also purchase gold-plated stainless steel, which can cost even less. Cleves said consider a used piece of jewelry from a store that can verify a ring, bracelet, or chain is the real thing.

Our favorite online jewelry brands we've tested excel in making different gold, silver ... Oak and Luna is the perfect place to shop. Almost every piece on their site is completely customizable ...