Saving Is the New Sucker’s Bet

The ladder feels shaky. So, maybe saving feels safe.

Let’s test it.

Objection #1: “At least savings accounts are secure.”

✅ True for dollars. ❌ False for purchasing power.

The average yield is 0.46% while inflation sits at 3–7%. This gap compounds against you — week in, week out.

Objection #2: “But I need cash for emergencies.”

Yes, liquidity matters. But beyond a buffer, each dollar stored is a slow-motion donation.

In 1980, $10k in savings earned ~12% interest. Today? Less than $50 a year, so it pays to stick to the minimum.

Objection #3: “Markets are risky. Savings are safe.”

Truth be told, inaction is also a risk.

Silent erosion drains more households than crashes. The risk today? It’s not losing dollars — it’s watching them lose you.

So if “saving” is the sucker’s bet, what’s the counter?

Store value where dilution is hardest. Ask yourself:

• Can they print more of it at will?

• Is it taxed on phantom gains?

• Does it compound skills, trust, or production?

This isn’t a call to recklessness. It’s a call to stop mistaking stability for stasis.

🟨 Audit your savings: Open your savings account statement. Split the balance into “liquidity you need” vs. “leakage you don’t notice.”

Because it’s those pesky leakages that are weighing you down.

Tomorrow: If saving leaks, what about security? Spoiler: it’s now a product they rent back to you.

—DOTD

P.S. Just joined us? Here’s Part 1 & Part 2.