Your $100 Bill Hasn't Changed. What It Buys Has.
Fact: In 1971, $100 bought 2.8 ounces of gold. Today, that same $100 buys 0.04 ounces. The bill looks the same. The buying power is 97% gone. This isn't opinion—it's math.
Cash (Fiat Currency)
- ProsUltimate liquidity. Accepted everywhere instantly. No transaction fees.
- ConsGuaranteed to lose value over time due to inflation. Subject to unlimited printing by central banks.
- RoleShort-term spending and emergency reserves (3-6 months of expenses).
Gold
- ProsMaintains purchasing power over centuries. Cannot be printed. Intrinsic value.
- ConsLess liquid than cash. Transaction costs (premiums). Volatile in the short term.
- RoleLong-term savings and wealth preservation.
You Need Both. Here's Why.
Cash pays the bills. Gold holds its weight. Keep 3-6 months of expenses in cash for emergencies and daily life. Move savings you won't touch for years into gold—where inflation can't reach it.
The split? That depends on your situation. We can help you think through it—no pressure, no pitch.