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

  • How Inflation Is Hitting Your College Tuition Bill

    In this episode of Inflation and Your Money with Fexingo, Lucas and Luna dig into why college tuition has become a stealth inflation battleground. With CPI running at 3.3% year over year as of May 2026, tuition inflation is clocking in at nearly double that rate at 6.2%. The hosts break down the specific drivers: administrative bloat, the decline of state funding, and the pricing power of elite universities. They also look at how the shift in Fed leadership under Kevin Warsh might affect student loan policies and what listeners can do now to protect their savings from this specific cost spiral. A practical episode for anyone with a 529 plan or a child heading to college.

    #Inflation #CollegeTuition #CPI #EducationCosts #StudentLoans #529Plans #HigherEd #FedPolicy #KevinWarsh #StateFunding #AdministrativeCosts #PersonalFinance #InflationHedge #EducationInflation #FexingoBusiness #BusinessPodcast #Finance #Money

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    6 min
  • How Homeownership Is Beating the New Rent Inflation

    Lucas and Luna break down why rent is rising faster than CPI in 2026, and how homeownership—specifically a 3.5% FHA loan locked in 2020—has quietly become the best inflation hedge for millions of Americans. They examine the divergence between owner's equivalent rent and actual shelter costs, the Fed's new rate regime under Kevin Warsh, and why buying a home in 2020-2021 is outperforming gold and TIPS. The episode uses the latest CPI data from May 2026 and the 10-year breakeven inflation rate of 2.25% to show how housing has decoupled from official inflation metrics. A must-listen for anyone renting or considering a home purchase in this market.

    #Inflation #Housing #RentInflation #Homeownership #CPI #FederalReserve #KevinWarsh #FHA #Mortgage #OwnerEquivalentRent #ShelterCosts #PersonalFinance #Investing #Gold #TIPS #Finance #FexingoBusiness #BusinessPodcast

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    9 min
  • Why Your Social Security COLA Is Underestimating Inflation

    In this episode of Inflation and Your Money with Fexingo, Lucas and Luna unpack how the annual Social Security cost-of-living adjustment, or COLA, is calculated using CPI-W, a measure that tracks spending patterns of urban wage earners and clerical workers. As of May 2026, the all-items CPI stands at 334, but the CPI-W tends to run even higher because it weights gasoline and rent more heavily. With the ten-year breakeven inflation rate at 2.25 percent, down slightly from recent months, the hosts explain why retirees relying on COLA may be losing purchasing power faster than headline inflation suggests. They dive into the arithmetic: the COLA formula uses a three-month average of CPI-W from the third quarter, and with shelter costs still sticky, the 2027 adjustment could be larger than expected—but still lag real-world cost increases for seniors. They also discuss a little-known alternative: using the CPI-E, an experimental index for the elderly, which would have produced a higher COLA in most years. The episode is grounded in specific data points and offers a concrete takeaway for anyone near or in retirement.

    #SocialSecurity #COLA #CPIW #Inflation #Retirement #PurchasingPower #CostOfLivingAdjustment #FexingoBusiness #BusinessPodcast #Finance #PersonalFinance #InflationHedge #CPIE #FixedIncome #Retirees #ShelterCosts #TIPS #BureauOfLaborStatistics

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    7 min
  • The Hidden Inflation Hedge Inside Your 401k

    Episode 65 of Inflation and Your Money with Fexingo digs into a surprising inflation fighter that's hiding in plain sight: your employer-sponsored retirement plan. Lucas and Luna explain how TDFs (target-date funds), stable value funds, and even the humble company match are responding to the current inflation environment in ways most savers miss. With CPI at 334 and the ten-year breakeven inflation rate dipping to 2.25 percent, the hosts walk through why your 401k asset allocation may need a mid-summer check-up. Lucas breaks down the math on how a typical 2040 target-date fund's bond sleeve gets hammered by persistent inflation, and shares a simple swap within the plan that can protect purchasing power without adding stock-market risk. Luna challenges the conventional wisdom that maxing out your match is enough, pointing to new research from Vanguard showing that a one percentage point increase in the savings rate today buys 12 percent more real income at retirement when inflation runs at 3 percent. The episode closes with a practical takeaway: the single best inflation hedge in your 401k is your contribution rate, not the fund menu.

    #InflationAndYourMoney #FexingoBusiness #BusinessPodcast #Finance #401k #TargetDateFunds #StableValueFunds #RetirementSavings #InflationHedge #PurchasingPower #VanguardResearch #TDF #EmployerMatch #SavingsRate #RealReturn #BondLadder #CPI #BreakevenInflation

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    12 min
  • Why Your Rent Is Rising Faster Than CPI

    CPI says inflation is cooling, but your landlord didn't get the memo. In Episode 64 of Inflation and Your Money with Fexingo, Lucas and Luna drill into the specific disconnect between official shelter inflation measures and what tenants are actually paying. Using May 2026 CPI data (shelter up 0.4% month-over-month, owners' equivalent rent at a 5.2% annualized pace) plus a real-world case study of a 1,200-unit apartment REIT in Phoenix that just raised rents 8%, they unpack why 'shelter' is the most lagging and most stubborn component of the inflation basket. They also look at how the Fed's rate pause is keeping mortgage rates elevated, locking out first-time buyers and pushing more demand into an already tight rental market. If you're a renter wondering why your lease renewal feels divorced from the headline numbers, this episode explains the machinery behind it. No hot takes, just the data and the dynamics that matter for your wallet.

    #Inflation #ShelterInflation #CPI #Rent #OwnersEquivalentRent #RentalMarket #Fed #Housing #REIT #Phoenix #Landlord #PurchasingPower #CostOfLiving #PersonalFinance #Investing #Finance #FexingoBusiness #BusinessPodcast

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    9 min
  • The TIPS ETF That Is Beating the New Fed Reality

    Episode 63 of Inflation and Your Money with Fexingo digs into Treasury Inflation-Protected Securities ETFs and why they're outperforming in the current rate environment. With the Fed's new hawkish posture under Chairman Warsh and the 10-year breakeven inflation rate slipping to 2.25 percent, host Lucas and Luna explore how the iShares TIPS Bond ETF (TIP) has delivered a 5.2 percent year-to-date return through mid-June 2026 — beating the Bloomberg US Aggregate Bond Index by over 300 basis points. The episode explains why TIPS flows hit $8.4 billion in May alone, how the portfolio's average duration of 6.8 years matters in a rising real yield world, and what the narrowing spread between TIPS and nominal Treasuries signals for investors ahead of the July FOMC meeting. Perfect for listeners who want a concrete, data-backed strategy for protecting their bond allocation without guessing where inflation is headed next.

    #TIPS #TIPSETFs #iSharesTIP #TreasuryInflationProtectedSecurities #RealYield #BreakevenInflation #FederalReserve #HawkishFed #ChairmanWarsh #BondMarket #FixedIncome #InflationHedge #PurchasingPower #PersonalFinance #Investing #FexingoBusiness #BusinessPodcast #InflationAndYourMoney

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    8 min
  • How Inflation Is Changing Your Car Insurance Strategy

    In this episode, Lucas and Luna dig into a specific number: auto insurance premiums have risen 22% year-over-year, far outpacing overall inflation. They explore why repair costs, parts shortages, and reinsurance pricing are driving the spike, and what listeners can do about it — from usage-based policies to raising deductibles. No vague advice, just concrete strategies grounded in today's rate environment and the latest CPI data.

    #Inflation #AutoInsurance #CarInsurance #CPI #PersonalFinance #InsurancePremiums #RepairCosts #Reinsurance #UsageBasedInsurance #Deductibles #Finance #FexingoBusiness #BusinessPodcast #MoneyTips #PurchasingPower #RateHikes #PartsShortage #Underwriting

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    7 min
  • Why Used Car Prices Are Beating the Inflation Slowdown

    In this episode of Inflation and Your Money, Lucas and Luna explore why one specific category—used cars—continues to see price increases even as headline inflation moderates. They break down the structural supply constraints in the auto market, the shift in consumer behavior post-pandemic, and why the typical inflation hedges might miss this pocket of persistent price growth. Using May consumer price index data and recent auction trends, they explain how semiconductor shortages and fleet replacement cycles are creating a sticky floor under used car values. If you've been wondering why your trade-in offer keeps climbing despite the Fed's rate pause, this episode has the numbers behind it.

    #Inflation #UsedCars #CPI #ConsumerPrices #SupplyChain #Semiconductors #Fed #MonetaryPolicy #AutoIndustry #PurchasingPower #PersonalFinance #Investing #Economy #Finance #BusinessPodcast #FexingoBusiness #InflationHedge #AssetPricing

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    9 min
  • How Inflation Is Reshaping Your Mortgage Strategy

    In this episode of Inflation and Your Money with Fexingo, Lucas and Luna dive into how persistent inflation is changing the calculus for homebuyers and homeowners. With CPI at 334.0 and core CPI at 336.1, the Fed holds rates steady while Chairman Warsh signals a less accommodative stance. The hosts break down why adjustable-rate mortgages are making a comeback, how inflation expectations embedded in the ten-year breakeven rate of 2.26 percent affect fixed-rate loans, and why locking in a thirty-year fixed might not be the no-brainer it was two years ago. They also explore the role of inflation-indexed bonds like TIPS in a mortgage-focused portfolio. Tying it all together, the episode offers a concrete framework for deciding between ARM and fixed-rate mortgages based on your personal inflation outlook—not just the current rate environment. No hot takes, just data-driven, actionable advice for protecting your purchasing power.

    #Inflation #Mortgage #ARM #FixedRate #Fed #CPI #TIPS #BreakevenRate #Warsh #Housing #HomeBuying #InterestRates #Finance #PersonalFinance #Investing #FexingoBusiness #BusinessPodcast #PurchasingPower

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    7 min
  • How TIPS Are Beating the Inflation Slowdown

    Lucas and Luna break down why Treasury Inflation-Protected Securities are outperforming other inflation hedges as the Fed holds rates steady and breakeven inflation dips. They analyze how TIPS real yields have turned positive for the first time in years, what that means for bond ladder strategies, and why the five-year TIPS auction saw record demand. With the 10-year breakeven falling to 2.26%, they argue that TIPS are sending a clearer signal about inflation expectations than gold or commodities right now. A practical look at whether TIPS deserve a place in your portfolio given today's yield environment and the Fed's new cautious posture under Chairman Warsh.

    #TIPS #Inflation #TreasuryInflationProtectedSecurities #RealYields #Fed #Warsh #BondMarket #PortfolioHedging #BreakevenRate #InflationExpectations #TreasuryAuction #FixedIncome #PersonalFinance #Investing #FexingoBusiness #BusinessPodcast #InflationHedge #BondStrategy

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    7 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?