Your Golden Years May Not Be So Golden

The math on retirement just stopped working.

43% of 65-year-olds have postponed their retirement because of inflation. Not because they want to keep working. Because they have to.

That's not a small adjustment. That's a fundamental breakdown in how retirement planning was supposed to function.

For decades, the advice was simple: save consistently, let compound interest work, retire comfortably. But that formula assumed your savings would maintain purchasing power.

They don't anymore.

When Your Bank Account Works Against You

70% of current retirees report that rising costs have eaten into their savings. The money is still there. But it buys less every year.

Average inflation sits above 3%. Most savings accounts pay 1-2% interest.

Do that math. You're losing purchasing power even while your account balance grows.

That's not wealth preservation. That's slow erosion with a positive-looking number attached.

And it gets worse for anyone relying on fixed income. Social Security adjustments lag real inflation. Pensions don't adjust at all. The gap between what you have and what things cost just keeps widening.

The Asset That Moved The Other Direction

While savings accounts lost ground to inflation, gold did something different.

From 2000 to 2025, gold increased 10.9% annually on average. Not speculation. Not a lucky streak. Consistent performance across 25 years of economic cycles.

That's not just beating inflation. That's building real wealth while inflation destroys it elsewhere.

Silver followed a similar pattern. Both metals have functioned as inflation hedges for centuries, but the last 25 years prove the principle holds even in modern digital economies.

The difference is simple: governments can print more currency. They can't print more gold.

Why This Matters More Now

We're watching the largest retirement wave in history collide with persistent inflation.

Boomers who saved diligently are discovering their savings don't stretch as far as projected. Younger workers are realizing traditional retirement advice might not apply in a high-inflation environment.

The question isn't whether to save. It's what to save in.

Currency loses value by design. That's how monetary policy works. Assets that can't be inflated away maintain purchasing power.

The Access Problem

Understanding precious metals as an inflation hedge is one thing. Actually holding them is another.

Storage, security, liquidity. These are real barriers for most people.

That's where STBL comes in. It provides access to gold and silver without the friction of physical ownership. You get the inflation protection. You skip the logistical headaches.

And with their upcoming debit card feature, you'll have liquid access to your metals. Not locked away. Not illiquid. Available when you need it.

What The Data Actually Says

I'm not suggesting precious metals are the only retirement asset. Diversification still matters.

But ignoring inflation's impact on cash holdings is financial malpractice at this point. The evidence is overwhelming. The trend is clear.

Traditional savings vehicles are losing the inflation battle. Precious metals are winning it.

The retirees postponing retirement because their savings fell short? They're the early indicators of a much larger problem.

You can wait and see if inflation moderates. Or you can position yourself now with assets that have historically protected against exactly this scenario.

The math isn't complicated. It's just uncomfortable.

A Better Bank Account

STBL will soon offer a better "bank account" as it prepares to unveil the STBL Money Card allowing you to easily convert your STBLG and STBLS gold and silver tokens to a VISA debit card. This provides liquidity anywhere VISA cards are accepted in the world.

Keep your money in Gold and Silver. Beat the dollar. Access it through your VISA card.

With banks currently paying on average under half a percent interest, having your money in gold is 10% better. And in the case of the last two years your gold would have appreciated 27% in 2024 and 50% in 2025.