From $500K in Savings... to Surviving in His Daughter’s Spare Room

Frank wasn’t reckless. He didn’t chase meme stocks. He didn’t blow his retirement on a boat or vacation timeshare.

He saved. He worked 42 years. And when he hit 65…

He had just over $500,000 in his retirement accounts — more than most Americans will ever manage.

It was supposed to be enough.

Until it wasn’t.

Vanished Without a Crash

Frank didn’t lose everything in a market collapse.

He didn’t get scammed.

He didn’t suffer a medical emergency (yet).

He lost it slowly:

  • Through inflation.

  • Through taxes.

  • Through policies disguised as “stability.”

Rent went up. Food costs doubled. And his Medicare plan no longer covered his prescriptions without a $400/month premium.

In less than 5 years, his “secure retirement” became a quiet crisis.

He moved in with his daughter last month — ashamed, exhausted, and scared.

This Isn't an Outlier. It's a Preview.

If you're like most Americans, you were told that $500K would be enough.

But here’s what $500K really looks like in 2025:

Expense

Annual Cost

Basic rent (avg)

$18,000–$24,000

Food + utilities

$9,000–$12,000

Medicare + meds

$6,000–$9,000

Transportation

$4,000+

Taxes (on withdrawals)

10–22%

And that’s before any market turbulence, unexpected costs, or policy shifts.

The System Didn’t Fail. It Just Worked Against You.

Politicians told you inflation was “transitory.”

The Fed promised a soft landing.

Your 401(k) provider said 4% withdrawals would last a lifetime.

But the dollar keeps losing purchasing power. And no one’s adjusting your retirement for that reality.

You are on your own.

Your Wealth Shield Starts With Truth

You can’t rely on fiat. You can’t count on Congress. And you sure as hell can’t afford to wait for the next CPI report to decide your future.

Here’s where smart money is going:

Next week, we’ll focus on actionable strategies in each of these areas.

Until next time,
The Death of the Dollar Team