Resources mentioned: go to www.iraarmor.com/quiz and www.iraarmor.com for more information
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Welcome to The IRA Armor podcast, where we help you shield your hard-earned money from the chaos of the financial world. I’m your host, Jack Gallegar, and today we’re diving into a question that’s keeping a lot of folks up at night: Is your retirement at risk? Are you worried your investments will vanish in the next market crash or inflation spike? Don’t leave your wealth to chance! Head to www.IRAarmor.com/quiz and take our quick, free quiz to discover how a Gold IRA can protect your future. In just a few minutes, we’ll match you with the top Gold IRA companies tailored to your financial situation and goals. No guesswork, no hassle—just a smarter way to safeguard your money. Once again, simply visit www.IRAarmor.com/quiz right now and take control of your retirement! We’ll also leave the link in the show notes or description for you as well for quick access.

And finally, the IRA Armor Podcast and IRA Armor dot com are not financial advisors and are not providing professional advice. Consult with licensed professionals in your area before taking action with your money.

Ok, let’s get into it today… so could a Gold IRA be the key to saving your wealth? If you’ve been watching the markets, hearing about inflation, or worrying about the next big crash, this episode is for you. So grab a coffee, settle in, and let’s talk about why gold might just be your financial lifeboat in these stormy times.

Let’s start with the big picture. If you’re like most people, your retirement savings are probably sitting in a 401(k), an IRA, or maybe some stocks and bonds. And you’ve probably been told that’s the “safe” way to go. Diversify, invest for the long haul, and you’ll be sipping cocktails on a beach when you retire, right? Well, I hate to be the bearer of bad news, but that plan might have some cracks in it.

The economy in 2025 is a wild place. Inflation’s been eating away at your purchasing power—think about how much more you’re paying for groceries or gas compared to just a few years ago. The Bureau of Labor Statistics reported that inflation hit 7.9% in 2024, and it’s not slowing down much. That means your dollar buys less every year. If your retirement savings are just sitting in cash or low-yield bonds, they’re losing value faster than you might realize.

Then there’s the stock market. It’s been a rollercoaster, hasn’t it? One day it’s up, the next it’s tanking. Just look at what happened in 2022 when the S&P 500 dropped nearly 20%. People lost years of gains in months. And with all the talk about a potential recession—some economists are saying we’re already in one—your portfolio could take another hit. Are you ready for that?

And don’t get me started on the national debt. It’s over $35 trillion now, and the government keeps printing money to cover it. That’s like trying to fix a leaky boat by poking more holes in it. When the government prints money, it devalues the dollar, and guess who feels the pain? You, me, and everyone with savings tied to the dollar.

So, let’s be real: your retirement is at risk. Inflation, market crashes, and a shaky dollar are all chipping away at your nest egg. But here’s the good news—there’s a way to fight back, and it’s called a Gold IRA.

If you’re new to the idea, let me break it down. A Gold IRA is a special type of Individual Retirement Account that lets you invest in physical precious metals like gold, silver, platinum, or palladium instead of just stocks, bonds, or mutual funds. It’s still an IRA, so you get the same tax advantages—like tax-deferred growth or tax-free withdrawals if it’s a Roth IRA—but instead of betting on Wall Street, you’re holding actual, tangible assets.

Why gold? Because gold has been a store of value for thousands of years. When the Roman Empire was falling apart, people were trading gold. When currencies collapsed in Germany after World War I, gold held its worth. Even today, when markets tank or inflation spikes, gold tends to hold steady or even go up. In 2024, gold prices hit record highs, topping $2,500 an ounce at one point. That’s not a coincidence—it’s what happens when people lose faith in paper money.

A Gold IRA lets you take a portion of your retirement savings and move it into physical gold or other metals, stored securely by a custodian. It’s like putting a suit of armor around part of your portfolio. And the best part? It’s not as complicated as it sounds. You don’t need to be a Wall Street wizard to set one up.

So, why should you care about a Gold IRA? Let’s talk about the big reasons it could save your wealth.

Number one: Protection against inflation.
I mentioned earlier how inflation’s been eating your savings. If you’ve got $100,000 in a savings account earning 1% interest while inflation’s at 8%, you’re losing 7% of your purchasing power every year. That’s like watching your retirement dreams evaporate. Gold, on the other hand, has historically kept pace with or outrun inflation. Over the past 20 years, gold’s average annual return has been around 9%, according to data from the World Gold Council. That’s better than most savings accounts and even some stock funds.

Number two: A hedge against market crashes.
When the stock market tanks, gold often shines. Remember the 2008 financial crisis? While stocks plummeted, gold prices climbed nearly 25% from 2008 to 2010. It’s like a financial safe haven. If you had a Gold IRA back then, you’d have been one of the few smiling while everyone else was panicking. With all the uncertainty in 2025—trade tensions, political gridlock, you name it—having gold in your portfolio is like an insurance policy.

Number three: Currency devaluation.
The dollar’s been the world’s reserve currency for decades, but it’s not invincible. With the national debt climbing and countries like China and Russia pushing to trade in other currencies, the dollar’s value could take a hit. Gold isn’t tied to any one country’s economy. It’s a global asset, and it holds its value even when currencies wobble. If the dollar takes a dive, your Gold IRA could be what keeps your retirement afloat.

Number four: Diversification.
You’ve heard the saying, “Don’t put all your eggs in one basket.” Most people’s retirement accounts are stuffed with stocks and bonds, which are tied to the same economic risks. A Gold IRA adds a totally different asset class—one that doesn’t move in lockstep with the stock market. Studies show that adding just 5-10% gold to a portfolio can reduce risk without sacrificing returns. It’s like adding a stabilizer to a shaky boat.

Let me tell you about Sarah, a listener who reached out to us last month. Sarah’s 55, a nurse, and she’s been saving diligently in her 401(k) for 20 years. She had about $300,000 socked away, mostly in stock funds. But when she saw her balance drop by $50,000 during a market dip last year, she started to panic. She was planning to retire at 65, but now she’s worried she’ll have to work until she’s 70—or longer.

Sarah emailed us and said, “Jack, I can’t afford to lose another chunk of my savings. What do I do?” We talked about her options, and I suggested looking into a Gold IRA. She was skeptical at first—thought it sounded too good to be true. But after doing some research on IRA Armor dot com, she decided to roll over 20% of her 401(k), about $60,000, into a Gold IRA.

Here’s what happened. She worked with a reputable Gold IRA company—more on how to choose one later—and bought physical gold and silver, wh...