They're Lying To You About Inflation (And Buying Gold)

Your money, like this $100 bill right here, is losing value every single day, which means by the end of this video, you'll have less buying power than right now. But we're being told something different. Take a listen. I inherited very, very high costs and they're all coming down now. The food, the groceries, it's all coming down. We've done a great job. You know, I think we should be given an A plus on the economy. The government says that the prices of things are coming down, so your money should have more buying power. But the average person feels poorer today than they did five years ago. Because of all the inflation that we've been seeing, your savings and your paycheck can't buy as much stuff, which is why people feel poorer. And the reason why I'm making this video right now is that things could be getting worse and most people are not paying attention. Oil prices are not coming down, the job market is struggling, and we just passed more than $40 trillion in national debt. And now on September 16th, 2026, the Federal Reserve Bank is going to make an announcement on what they plan to do to help fix this economy. So in this video, I want to break down number one, what's happening and why your money is losing value. Then number two, I want to talk about what could be getting expensive next, that way you can be prepared. And then number three, I want to talk about what you can consider doing with your money. That way, not only you can protect your money, but also build wealth through all these changes. Because unfortunately, these changes with inflation are going to make most people poorer, but they'll make the financially savvy richer. That's also why September 29th, I'm going to host a live free and virtual workshop where I'm going to show you how you can profit from the dollar losing value. If you've been feeling the pinch from inflation, instead of getting richer from inflation, I invite you to join me for free on this workshop, because I'm going to show you how you can use these changes by the Federal Reserve Bank, using these changes by AI and using changes with what's coming with inflation to grow your wealth even faster. It's free, it's live, it's virtual. I'm doing it twice on September 29th, once in the morning at 1030 a.m. Eastern time, then again in the evening at 8 p.m. Eastern time. So if you'd like to join, all you have to do is register, and I have that link for you down in the description below. According to the data right now, inflation is at 3.4%, which means if your savings are not growing by 3.4%, if your paycheck is not growing by 3.4%, you are effectively becoming poorer. But that's not all. Between 2020 to 2026, the cumulative inflation that we've seen has been 32%, which means between 2020 to now, if your paycheck has not grown by 32%, if your savings have not grown by 32%, you have effectively become poorer. But these inflation numbers that the government tells you, this is the average inflation number, and it is the average based off of what the data says is the average. If we dig a little bit deeper, you might see something a little bit different. So let's dig a little bit deeper. Between 2020 to 2026, median wages in the United States grew by 28%. Average grocery prices grew by 32%. Rent prices went up by 41%. Gas prices are up 47%. Electricity prices are up 48%. Car insurance prices are up 64%. And beef prices, specifically ground beef prices, are up by around 79%. So we have this average inflation number of 32%. Incomes have not kept up, but the prices of a lot of things that people need, like groceries, housing, and gas, have grown faster than the average. What's going on? Well, the first thing is that this inflation number takes a look at a very broad basket of items, including things like furniture and toys. And maybe you don't need those things. Maybe you do need those things. But those other items that you're not buying could drive up or down that average inflation number. And the second thing is that this measuring stick, this inflation number, might be the wrong measuring stick. Because the government and the Federal Reserve Bank actually don't like looking at this inflation number. They like looking at something called core inflation. What is core inflation? Well, let me read you. The United States core inflation rate excludes the volatile food and fuel costs. Which means, yes, when the government is looking at inflation and they're using core inflation to measure it, they're not even taking a look at groceries and gas prices because that's just too volatile. Now, when you hear the news that inflation is coming down, many people want to hope and pray that the prices of things are coming down. But that's not happening. We can just ask the Federal Reserve Bank. The Federal Reserve Bank says that they aim for a 2% inflation target. Now, of course, we're not there right now. But have you ever asked the question, why is it a 2% inflation target? Why not 3% inflation target that's closer to where we are right now? Actually, why not 1% inflation or why not a 0% inflation target? And the answer is, it's on purpose. Now, if there's only one concept that you get from my video, please let it be this. Our central bank and our government want inflation. Inflation hurts the average person, but it makes some people richer. Take a look. There are two types of people in our economic system. There are people that are workers and then there are investors, people that own the businesses. Now, you can be a little bit of both. But the reason why I'm showing you this is because our economic system runs on spending. Every single person is a consumer. And when you go and spend money, you are giving your money to a worker. You're going to give your money to the worker at Chipotle, the worker at Starbucks. They take that money and the person that gets rich is not the worker, it is the investor. The worker gets a salary, the investor gets all the other profits. So money flows to the investor in our economic system, but that's not all. Inflation benefits the investor. What does that mean? Well, when inflation happens and you go to Chipotle, you want to buy the extra guac. Now, that extra guac is a whole lot more extra because now you have to spend more money buying that guac. So more money has to go to that worker, but now that worker is not getting all that extra money. In fact, what we've seen is that wages have not even kept up with the inflation. So the person that's getting rich is not the worker, it's the investor. The extra dollars are going into the hands of the investor, which is why inflation makes the investor rich. That's the first reason why our government, the central bank wants a little bit of inflation. The other reason why has to do with what I talked about in the beginning of this video. Our government has $40 trillion worth of national debt. Now, I want you to think about this for a Inflation makes the value of your dollar less. Think of it this way. You go out and buy a half a million dollar house today and you get a 30-year mortgage and you finance all $500,000, but the bank lets you do one special thing. They say you don't have to start paying the mortgage for 30 years. Is that a good thing or bad thing? Well, for a lot of people, that's going to be a good thing because in 30 years, that half a million dollar mortgage is not going to feel as painful because in 30 years, a half a million dollar house is probably going to cost millions of dollars. So the value of that debt, the painfulness of the debt went down because of inflation. You inflated away the real cost of that debt because if you have to pay $4,000 a month, that might be expensive today, but in 30 years, $4,000 a month might feel like peanuts because you need a lot more money in order to buy that house. That's the same thing with our government. We have $40 trillion worth of national debt and paying that $40 trillion back with today's money is hard, but if we can inflate away the value of that debt, well now, all of a sudden, that $40 trillion is not as painful. This is why the Federal Reserve Bank wants inflation. They write it on the website publicly and they want a low enough inflation that the average worker does not notice it day-to-day and they know that 2% inflation is low enough that the average person doesn't really question it. Once you get to 3, 3.5%, then yeah, people start questioning it because they're feeling the pain in their pockets every single day, but when it's just 2%, yeah, the worker is getting poorer, but it's not something that's really destroying your livelihood, but when it becomes higher than that, that's when it's a problem. Now, when it comes to the actual economic side of why we're seeing the prices of things rise faster than what the Federal Reserve Banks, there's three main things happening right now. Number one is that oil prices are staying higher for longer because of the war in the Middle East, which everybody was hoping would have been done by now, but it is still going on. Number two, it's more tariffs. Yes, here we are in 2026 and we're still seeing more tariffs, which is a tax that businesses have to pay to bring products into the United States. And then number three has to do with AI, data centers, and energy because AI is becoming such a big consumer of electricity and energy in general that is causing prices of energy to go up, which impacts the price of everything. So your dollars are losing value and the three things happening right now outside of money printing that are contributing to your dollar losing value are higher oil prices, the higher tariffs, and AI plus its energy consumption. But the prices of things don't all go up at the same time, and this is something you want to pay attention to. So let's break this down. Let's assume the energy prices go up. There's a war in the Middle East, higher oil prices. What does that actually mean besides just higher gas prices? The second thing they get hit after energy gas prices in general is food. When you have higher oil prices, that means you have higher diesel prices. Higher diesel prices means it costs more to transport the groceries from the farm to the warehouse to the store. And it also means that now it costs more to produce the food because fertilizer uses oil. And so when you have to pay more for oil, farmers have to pay more to actually produce the food, which is why we're seeing a big rise in grocery prices. And the third industry to get hit by these higher energy prices are your goods. These are your cars, your appliances, your electronics, number one, because of the higher oil prices, but then also, number two, because of tariffs that can also make those goods higher to produce. Now that it costs more money to fill your tank of gas, now that it costs more money to feed your family, and now that it costs more money to buy a car or buy a TV, the next price of things that go up are services. You book an attorney, you book a dentist, you book any sort of service to help you with anything, or rental prices because now these businesses need to make more money to continue supporting this economy as well. Generally, when you see the prices of services and rent go up, it goes up slower, but they become stickier and they're harder to come down. It's not that they don't come down, but they're usually slower to come down if the prices of things come down. And last but also probably least now is wages. This is now the employee getting a raise. Now I'm not just saying this, I'm showing you based off of data that over the last six years, inflation, the average inflation has been 32%, but the median wage has only grown by around 28%, which is why when you see inflation happen, the average person is getting poorer while the prices of things go up. But do you want to know who's getting richer? The investor. If you just put your money into the stock market, you don't try to find the next Nvidia or the next Tesla, you just put your money into the broadest measure of stock market, the S&P 500. Between 2020 to 2026, your investment portfolio is up by approximately 150%, which means wages did not keep up, but your investments grew much faster than wages and the prices of things, which is why investors get richer when inflation happens. Does this mean that the stock market only goes up? No. We saw many stock market crashes between 2020 to today. We saw the stock market crash in 2020. We saw the stock market crash in 2022 when it fell by 20%. We saw the stock market crash three times in 2025 when President Trump announced tariffs, took it back, announced tariffs, took it back, then had liberation day and then took it back. And then we saw a lot of volatility in 2026 after the United States invaded Iran as well. So yes, the stock market has been very volatile, but what we've seen over time, the key over time, markets go up and inflation makes the stock market and other asset prices go up as well. Now, one of the things that I'm going to show you on my live workshop on September 29th is that just investing in the stock market is good, but it might not be enough going forward. And what you can start doing right now to continue building your wealth while the dollar is losing value. Again, if you haven't registered for my free workshop on September 29th yet, I have that link for you down in the description. And this is where all roads are coming back to what's going to happen on September 16th. Why September 16th? Because number one, oil prices are still high and we don't know when they're going to come down. Tariffs are still happening. The job market is struggling. The United States has more than $40 trillion worth of national debt. And on September 16th, this is when the Federal Reserve Bank is going to give us their next indication as to what they want to do to fix inflation and fix the economy. Because right now, nobody really knows. Some people are saying we need to cut interest rates and stimulate the economy to fix the economy, but that's going to make the inflation problem worse. Other people are saying we need to raise interest rates and we need to crash the economy. That way we can fix inflation. The Federal Reserve Bank is saying, well, we might have to wait and see, but we might have to raise interest rates in 2026 to help calm the economy down because this inflation problem is becoming a bigger and bigger problem. And so we're going to see what is the Federal Reserve Bank going to prioritize? Do they want to fix inflation and save the dollar or do they want to fix the economy but risk crashing the dollar? This is why what happens on September 16th is going to be so important. Now you've taken the first step. You've raised your awareness of what's happening. The second step to becoming an investor and winning in the situation is you got to get your money in order. So if you don't have at least a couple thousand dollars saved to protect you against an emergency, make sure you do that and then pay off your high interest debts, your credit card debt, your payday loans. If you have those debts before you even think about investing, pay those off because your credit card might be costing you 15, 18, 25 percent a year while the stock market has been averaging 10 percent a year over the long run. And so you're going to get a better rate of return by paying off your credit card debt and paying off your payday loans and then that's where you want to become an investor. That way you can actually win in this system and then you want to invest some time and resources to identify where you should be investing your money. That way you can actually win as the dollar is losing value. When I first started learning about money management, I avoided using a credit card because I thought that credit cards are bad and evil. And then when I realized that I knew how to spend my money and I wasn't going to spend money I didn't have for credit card perks and points, I realized that I could earn more cash back. I could earn more perks and points for doing nothing except making the transactions that I would normally make anyways with a credit card instead of a debit card. And that's why I partnered with my sponsor Finance Buzz to put together an article of some of my favorite credit cards. Now here's the caveat. If you don't know how to manage your money, don't use a credit card. But if you're comfortable using a credit card, in this article with my sponsor Finance Buzz, I go over some of my top credit cards based off of different types of tiers. If you have credit card debt and you want to pay it off faster, I go over some of the top 0% APR credit cards. This will give you an opportunity to attack the credit card debt faster while not accruing any interest during the 0% APR I go over some of my favorite cash back credit cards. That way you can earn more points and cash back while you spend on your normal transactions. I go over some of my favorite travel cards for those of you that are traveling more often and earning more income. And then I go over some of my favorite business credit cards as well. So if you know how to manage your money and you're comfortable using your credit card, you can see some of my top credit cards right now in the free article that I have for you down in the description. So what we talked about in this video is we're hearing all this news about inflation no longer being a problem, the prices of things are coming down. But when we dig into the data, what we start to see is something a little bit different because over the last six years, we've seen inflation come in at 32% versus wages only grew by 28%. While the prices of many things that people need have grown even faster than the average. And the reason why is that the average might not be a real depiction of the prices of things that you're buying. Not to mention that sometimes the government and the Federal Reserve Bank aren't actually looking at these inflation numbers, because core inflation, which is one way that the government and the Federal Reserve Bank like to look at inflation, doesn't even include food and energy prices. Now that we understand that, we started to dig a little bit deeper to understand why the Federal Reserve Bank actually wants 2% inflation as opposed to 1% inflation or 0% inflation. And the reason why is because number one, inflation makes investors richer. In our economic system, you spend money and give it into the hands of a worker, but then all the extra dollars go into the hands of investors. And when inflation happens, more dollars go into the hands of the investor, which is why investors get richer when inflation happens. And if you don't believe me, just take a look at the math. Between 2020 to 2026, the S&P 500 grew by around 150%, while inflation was around 32%. The person that became richer because of the inflation was the investor, not the worker. Then we answer the question of what are the three main triggers or contributors to the higher prices of things today outside of the money printing? And I'm saying outside of the money printing because that has been a common story since the pandemic, well, before the pandemic, but especially since the pandemic. So I don't want to go deeper into that right now because I've talked about that a lot on my channel. But the three things happening right now are the higher oil prices because of the conflict in the tariffs, and then the higher energy prices due to artificial intelligence. Then we went through the analysis of how do the prices of things rise when we see higher energy prices. And we talked about how higher energy and gas prices contribute to higher food prices, which then contribute to higher goods prices, that's cars and appliances and electronics, and then how that contributes to higher services and rent prices. And then that finally makes its way to wages. And what we've seen is not only do wage prices grow up the last, but they also grow the least. And then what we talked about is how you can actually win in this system. The way you win is about becoming an investor. And I know it's painful to hear because we're never taught to be investors, we're taught to be workers, but the way you become wealthy in this economic system is by becoming an investor. If you got value out of this video, the best thank you is a referral. So if you could please share this video with a friend, family member, colleague, or fellow investor, that way we can continue to spread this type of financial education. Thank you. For the last 18 months, President Trump has been promising lower interest rates are around the corner. Well, the Federal Reserve Bank just announced that lower interest rates might not be coming anytime soon. Actually, they said you might want to prepare for higher interest rates coming in 2026. Why? Because the new chairman at the