The Inflation Tax on Uninvested Cash

Inflation and Your Money with Fexingo: Protecting Purchasing Power and Beating Inflation · Jun 7, 2026 · 7m · transcript

In this episode of Inflation and Your Money, Lucas and Luna discuss the real cost of holding uninvested cash in a high-inflation environment. With the Fed funds rate at 3.62 percent but CPI still running above 3 percent, many savers are losing purchasing power even in high-yield savings accounts. They examine the gap between nominal returns and real returns, using current data showing a 2.36 percent 10-year breakeven inflation rate. Luna shares a recent survey revealing that 40 percent of Americans keep over $5,000 in checking accounts earning zero interest. Lucas explains how inflation…