Inflation just hit 3.8%, the highest it's been since 2023. That means that $100 you had in January? It's worth about $96.30 today.
So today, Nicole breaks down three tools that protect your money when inflation runs hot: I bonds, TIPS, and gold. She explains exactly how each one works, who each is best for, and the critical differences between them — including why gold didn't spike during the pandemic inflation surge the way everyone expected, and why right now might actually be different.
Plus, Nicole shares a little-known strategy called the "gift box" method that lets couples legally stack up to $40,000 in I bond purchases in a single calendar year.
Here is a Money Rehab episode about how to invest in gold
Check out Nicole's financial literacy course The Money School Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram
Here's what Nicole covers today:
00:00 Are You Ready for Some Money Rehab?
00:18 Inflation Is Back — And We're All Feeling It
01:33 What's Driving the Surge (It's Not Just Gas)
02:30 What 3.8% Inflation Actually Does to Your Dollars
02:56 I Bonds: The Inflation-Fighting Investment Nicole Loves
04:34 I Bonds
05:06 TIPS
08:04 Gold: Flight to Safety or Inflation Hedge?
10:00 Why Gold Thrives When the Economy Is a Dumpster Fire
11:40 Tip You Can Take Straight to the Bank: The Gift Box Strategy
All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.