Inflation and Your Money with Fexingo: Protecting Purchasing Power and Beating Inflation

Inflation and Your Money with Fexingo: Protecting Purchasing Power and Beating Inflation

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Inflation and Your Money with Fexingo: Protecting Purchasing Power and Beating Inflation episodes

  • Inflation Quietly Eating Your 529 College Savings Plan

    Episode 137 of Inflation and Your Money with Fexingo. Lucas and Luna reveal how moderate inflation is silently eroding the real purchasing power of 529 college savings plans. With the latest CPI reading at 332.6 (down from 333.98) and college costs rising 3–5% annually, they walk through a concrete example: a $10,000 contribution that loses a third of its value in college-cost terms over 18 years due to conservative default allocations. They discuss strategies like adjusting equity glide paths, using age-based options, and the new Roth IRA rollover provision starting in 2024. Tune in for actionable advice on protecting education savings from inflation.

    #Inflation #529Plan #CollegeSavings #PersonalFinance #Investing #EducationCost #TuitionInflation #AssetAllocation #FexingoBusiness #BusinessPodcast #LucasAndLuna #Finance #Money #Budgeting #RothIRA #GlidePath #TaxAdvantage #CollegeBoard

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    6 min
  • How Inflation Is Quietly Eating Your Municipal Bond Returns

    Municipal bonds are supposed to be safe havens for tax-sensitive investors, but inflation is quietly eroding their real returns. In this episode of Inflation and Your Money with Fexingo, Lucas and Luna break down how the current 2.26% breakeven inflation rate and rising Fed rate expectations are squeezing muni bond investors. They explain why after-tax yields may look attractive but after-inflation returns can be negative, and offer practical strategies like floating-rate munis, bond ladders, and combining with TIPS. Plus, they share how listener support keeps the show ad-free. A must-hear for anyone with a portfolio heavy on tax-exempt bonds.

    #Inflation #MunicipalBonds #TaxExempt #BondReturns #FedRateHike #RealReturn #PurchasingPower #FloatingRate #BondLadder #TIPS #PersonalFinance #Investing #TaxStrategy #Finance #FexingoBusiness #BusinessPodcast #InflationAndYourMoney #BondMarket

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    5 min
  • How Inflation Is Quietly Eating Your Health Savings Account

    Inflation is easing but still positive, and your health savings account could be a hidden victim. Lucas and Luna dive into the data: nearly 40% of HSA assets sit in cash, losing purchasing power year after year. Using the latest CPI numbers and Fed rate context, they explain why investing HSA funds is crucial, show the math behind a $3,000 annual contribution over 30 years, and offer practical tips to turn your HSA into a powerful retirement tool. This episode is packed with specific numbers and actionable advice for anyone with an HSA — or considering one.

    #Inflation #HealthSavingsAccount #HSA #PersonalFinance #Investing #PurchasingPower #CPI #FederalReserve #InterestRates #RetirementPlanning #MedicalExpenses #TaxAdvantaged #CashDrag #CompoundGrowth #Fexingo #FexingoBusiness #BusinessPodcast #InflationAndYourMoney

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    5 min
  • How Inflation Is Quietly Eating Your Social Security COLA

    Episode 134 examines the growing gap between Social Security cost-of-living adjustments and actual retiree inflation. Using recent CPI data showing a slight dip in overall prices but persistent healthcare cost increases, Lucas and Luna explore why the COLA formula understates seniors' real expenses and share three actionable strategies to protect your benefits: delaying claiming, using I Bonds, and shifting to a healthcare-focused portfolio. Includes data from the Senior Citizens League showing a 30% loss in purchasing power since 2000.

    #SocialSecurity #COLA #Inflation #RetireeInflation #CPIW #CPIE #SeniorCitizensLeague #PurchasingPower #IBonds #TIPS #Retirement #Finance #PersonalFinance #FexingoBusiness #BusinessPodcast #InflationAndYourMoney #LucasAndLuna #ProtectingPurchasingPower

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    6 min
  • How Inflation Is Quietly Eating Your Home Equity Line of Credit

    Episode 133 of Inflation and Your Money with Fexingo: Lucas and Luna drill into a hidden inflation cost that's quietly squeezing millions of homeowners — the Home Equity Line of Credit (HELOC). With the Fed funds rate at 3.63% and inflation still sticky despite CPI cooling to 332.6, variable-rate HELOCs have repriced dramatically. Lucas walks through how a borrower who opened a $50,000 HELOC in early 2022 likely saw their rate jump from around 4% to nearly 10%, adding hundreds a month in interest. They discuss the mechanism: prime rate plus a margin, and how the timing of draws matters. Luna brings up the July 23 headline about surging oil prices and rising odds of a Fed hike, tying it to the risk that HELOC rates climb further. They offer a practical tip: locking in a portion with a fixed-rate second mortgage, and warn against using HELOC debt for consumption. The episode closes with a sincere donation ask for the ad-free show.

    #Inflation #HELOC #HomeEquity #VariableRate #Fed #InterestRates #PersonalFinance #DebtManagement #Mortgage #Refinancing #ConsumerDebt #Finance #Money #FexingoBusiness #BusinessPodcast #Podcast #FinancialLiteracy #InflationProtection

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    8 min
  • Inflation Is Quietly Eating Your Charity Mileage Deduction

    Episode 132: Lucas and Luna look at a tax break millions of volunteers rely on—the charitable mileage deduction—and how inflation has quietly eroded its real value. The standard rate for driving your own car for charity hasn't budged from 14 cents per mile since 1997, while the IRS business mileage rate has been adjusted upward multiple times. Using the latest CPI data (332.6 as of June 2026), we calculate that the charity deduction has lost roughly 40% of its purchasing power. Lucas explains why Congress hasn't indexed it, Luna proposes a simple reform, and they discuss what volunteers and donors can do to make sure their out-of-pocket costs don't quietly eat into their giving. A concrete look at a niche but impactful inflation blind spot.

    #CharityMileageDeduction #Inflation #TaxReform #VolunteerDriving #IRS #PurchasingPower #CPI #PersonalFinance #Finance #FexingoBusiness #BusinessPodcast #LucasAndLuna #MileageRate #TaxDeduction #Nonprofit #Donations #InflationErosion #Policy

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    8 min
  • How Inflation Is Quietly Eating Your Gig Economy Earnings

    Episode 131 of Inflation and Your Money with Fexingo. Lucas and Luna explore how inflation silently erodes the real income of gig workers. Using recent data showing CPI at 332.6 (down slightly) but core PCE still rising, they break down how rising costs for vehicle maintenance, self-employment taxes, and health insurance are outpacing take-home pay. They contrast the 2.8% gold rally this week with the flat hourly earnings growth in app-based work. Specific strategies for gig workers to adjust pricing, track expenses, and invest idle cash are discussed. A must-listen for anyone driving for Uber, delivering for DoorDash, or freelancing on platforms.

    #Inflation #GigEconomy #Uber #DoorDash #Freelancing #PurchasingPower #CPI #CorePCE #Gold #SelfEmployment #VehicleCosts #HealthInsurance #ExpenseTracking #PricingStrategy #SideHustle #PersonalFinance #FexingoBusiness #BusinessPodcast

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    7 min
  • How Inflation Is Quietly Eating Your Gold ETF Returns

    Gold is up 3% in the last five days and nearly 25% year-to-date in mid-2026. But investors piling into popular gold ETFs like GLD may not realize how management fees, tracking error, and capital-gains distributions quietly erode their real return. Lucas and Luna break down the hidden costs of owning gold through an ETF versus physical bullion or a gold IRA, citing the 0.40% expense ratio on GLD and the recent surge in gold mining stocks (GDX up 7.4% in five days). They also discuss the breakeven inflation rate ticking up to 2.28%, signaling renewed inflation expectations, and why a 3.63% fed funds rate means you still can't just 'set and forget' your gold allocation.

    #Inflation #Gold #ETF #GLD #GDX #PurchasingPower #Investing #Finance #FexingoBusiness #BusinessPodcast #PersonalFinance #GoldReturns #ExpenseRatio #TrackingError #CapitalGains #InflationHedge #Portfolio #WealthManagement

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    6 min
  • Gold In Your Portfolio During Falling Inflation 2026

    In this episode of Inflation and Your Money, Lucas and Luna examine the role of gold in a portfolio when headline inflation is cooling but core prices remain sticky. With the CPI down to 332.6 from 333.98 and gold surging to $4,156 per ounce—up 3.6% in five days—they ask the uncomfortable question: does gold still protect purchasing power when inflation is falling? They dig into the mechanics of the gold-inflation correlation, why the 10-year breakeven rate at 2.26% signals lingering pricing pressure, and how the Fed's steady rate at 3.63% changes the calculus for precious metals. The conversation contrasts TIPS, gold ETFs like GLD, and gold mining stocks like GDX as inflation hedges. They also look at the 7.7% run-up in GDX and whether it signals a gold rally that's already priced in. A grounded, numbers-first take on whether your inflation hedge needs rethinking as economic data shifts. This episode includes a listener-support segment that keeps the show ad-free.

    #Gold #Inflation #CPI #GLD #GDX #PreciousMetals #TIPS #FederalReserve #PortfolioHedge #BreakevenRate #PurchasingPower #Finance #Investing #GoldMining #FexingoBusiness #BusinessPodcast #InflationAndYourMoney #LucasAndLuna

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    8 min
  • How Inflation Is Quietly Eating Your TIPS Bond Returns

    Episode 128 of Inflation and Your Money with Fexingo examines an overlooked inflation blind spot: Treasury Inflation-Protected Securities. Lucas and Luna use today's data—CPI at 332.6, the 10-year breakeven at 2.26%, and gold at $4,133—to show how taxes on phantom income, low real yields after fees, and the steep opportunity cost versus equities make TIPS a far weaker inflation hedge than most investors assume. They walk through a concrete example: a $10,000 TIPS ladder bought five years ago versus a simple low-cost equity ETF, net of taxes. The takeaway: TIPS have a narrow, tactical use case and are not a set-it-and-forget-it solution. The episode also includes a warm, organic listener-support moment (buy me a coffee dot com slash fexingo) and closes with a forward-looking question about whether inflation expectations are correctly priced.

    #TIPS #Inflation #Bonds #Treasury #RealYield #PhantomIncome #CPI #BreakevenRate #Fed #Gold #PurchasingPower #PersonalFinance #Investing #FexingoBusiness #BusinessPodcast #InflationAndYourMoney #Finance #Podcast

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    9 min

About Inflation and Your Money with Fexingo: Protecting Purchasing Power and Beating Inflation

From the publisher's feed

Inflation is not a single number — it is a tax that hits every asset, every salary, and every grocery run differently. Lucas and Luna dig past the headline CPI print to show you where real purchasing power is being eroded and where it can be defended. Each episode opens with fresh data from the Bureau of Labor Statistics, the Federal Reserve, and real-time market moves. Lucas frames the macro forces — wage-price spirals, shelter inflation lags, Fed rate trajectories — while Luna tests every claim against a specific household scenario: a renter in Phoenix, a retiree on fixed income, a small business owner in Miami. They name the tools that actually work: I Bonds, TIPS ladders, floating-rate notes, short-duration bond funds, and yes, selective commodity exposure. They also name the traps: brand-switching as a strategy, inflation-linked CDs with hidden fees, and the false comfort of 'hedging' with assets that correlate only when it is too late. Every episode ends with a clear, quantified trade-off — what you gain by locking in a 5-year TIPS yield versus what you lose in liquidity. This show is for listeners who know that inflation is not transitory hype; it is a persistent drag that requires a specific, calibrated response. Can you outrun inflation without constructing a portfolio so defensive that you miss the next bull market?