Our currency
is dying.
They say Inflation "is 3%."
Your rent, food, and insurance say otherwise. They average in cheaper TVs to hide what your actual life costs.
The real rate feels like 10%.
At 10% inflation prices double every 7 years.
- Coffee: $5 → $10 → $20 → $80 in our lifetime
- $2000 iPhone? $8,000 in 14 years
- $50,000 in savings, untouched, buys $25k of life in 7 years
Saving cash is not the optimal move — the system pays people who own assets and bleeds people who hold dollars.
Though, having some savings is better than spending every pay cheque. You spend every cheque now? Where does that leave you in 7 years when everything is double? You're gonna have to spend less, maybe eat less. An emergency hits? Now you're in debt. The exact opposite of an appreciating asset.
You must save money, and use that to buy what they can't print — appreciating assets. Bitcoin. Gold. Durable businesses.
Let's explore some possibilities for what 10% inflation really feels like over time:
The vibe sours. People are feeling even more broke and even more tired — second jobs, side hustles framed as "hustle culture" but really just running to stand still. Dining out becomes a luxury. "Shrinkflation" everywhere — same chip bag, less in it.
Tipping creep, subscription creep, junk fees on everything. Dating and family formation get delayed again — kids feel financially impossible.
Canada starts feeling like a truly different country. The $5 coffee is $20. The smallest houses are seven figures everywhere, not just the cities.
People are now forced to move money into anything that isn't dollars at prices magnitudes higher than just a decade ago. The picture is now undeniable. There is a massive divide between the owner class that rode assets up, and a renter class that can no longer imagine ownership and stops trying.
Though, I have to add a correction. Once people expect high inflation— once it's baked in, prices won't compound at a steady rate — the rate itself climbs.
You're not on a steady doubling, you're on a steepening one.
7 years, then 5, then 3 years, every few months.
Weimar Germany (1923): prices doubled every few days at the peak. Wheelbarrows of cash were needed for basic groceries— people were paid twice a day and ran to spend it before lunch prices rose. Cash got burned as fuel because it was cheaper than firewood.
Zimbabwe (2008): ~89.7 sextillion percent at peak. They printed a 100-trillion-dollar note. The currency was abandoned entirely — the country switched to US dollars to function.
Hungary (1946): the worst ever recorded — prices doubled every ~15 hours. They issued a banknote denominated in 100 quintillion.
Venezuela (2016-2019): modern, oil-rich, and still collapsed — millions fled, women traded sex for food. Weight loss from hunger had a grim nickname ("the Maduro diet").
The logical conclusion for printable currencies is an approach toward zero value. The British pound has lost ~99% of its purchasing power since 1900. The US dollar lost ~98% since 1913.
If you arent agressivly positioning to escape the sinking ship then you can only expect to sink with it.
Say you get laid off? Bills keep coming. Landlord comes knocking— Then pounding on the door. People start stealing for food and stuff to sell. You get beat up when you're in the street if you look like you aren't as hungry as them. That's a taste ofhow bad it can get, and that is not the worst case.
Inflation was 2%. Now it's more like 10% since "the pandemic". The game has changed.
2% is sustainable. You can walk on that treadmill for a long time. 10%— now you're jogging all day every day.
It doesn't have to go down that dark path.
If you work hard and diligently today, you can avoid the worst outcomes. You must save money — build a cash pile first, three to six months of expenses.
Can you save $5 a day? That's $150 a month, $1800 a year. In 5 years you've got almost 10k.
Bitcoin compounds around 30-40% a year when you average it out — solidly out-running inflation. Gold and stocks do about 12%/year on average. There's been no better-performing asset on a 5+ year timescale in recent history.
Bitcoin is volatile. It is down 24% this year to date. It has crashed more than 50% before, more than once, and it might again. You have to hold.
Hold for 7 years through the noise, and the picture flips. Instead of everything costing 2x more, from your side it costs less over time. You can afford nice things— eat out without a second thought, help your parents, your friends, build the life you dream about.