Since gold is so expensive and rare, I mostly use 14K gold filled. Jewelry that is gold filled (GF) has an actual layer of gold, giving it more value and making it less likely to tarnish.

For example, a 14K gold filled necklace is made by bonding a thick layer of 14K gold to a core of brass. Everything you are seeing and touching on a gold filled piece is gold.
While gold filled jewelry will wear very well (you may never see it tarnish), gold plated jewelry may rub off after only a few wears. The layer of gold on plated jewelry is very thin.
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