I use to know a real hobo that use to hang out by a inlet on lake Michigan. He also said " always look on the ground and don't ever spend a dime " I couldn't even guess how much I found. He had a lot of silver dimes. I think that he got me started with coins.Nice. Hope it's silver for you.
I would keep it for good luck since you looked down just at the right, lucky moment.
Congrats.