In 1971 President Richard Nixon changed the rules of money. That year, the U.S. dollar ceased being money and became a currency. This was one of the most important changes in modern history, but few people understand why.

In recent years, the U.S. government has been creating money out of thin air through what is known as quantitative easing. This means they bolstered the Fed’s balance sheet by buying U.S. Treasuries in order to keep interest rates low, hoping to spur the economy through this artificial means.

For both the millennials and Generation Z, it’s not too late, but it starts with financial education. Listen as host Alexandra Gonzalez-Ganoza explains how those who still save money as a means to get rich are losing in this economy, the three things stealing your wealth, and what you should be doing instead.