How to Beat Dollar Devaluation and Secure Your Future

Why the Financial System is Failing and How to Protect Your Wealth in 2026

I see what is happening in the markets right now and it is clear that we are at a turning point. People are not just buying gold because they want to make a profit. They are buying it because they have lost faith in the paper currency system. If you look at the federal deficit and the way the Treasury is issuing debt, you can see the cracks. This is not just a temporary economic dip. It is a fundamental failure of the way we define money.

a. The US dollar is losing its purchasing power because the government prints money to manage 36 trillion dollars in national debt.
b. Holding cash in a bank account is a losing strategy since inflation acts as a hidden tax that transfers your wealth to the state.
c. The most effective way to survive this system is to move into physical assets like gold and decentralized assets that cannot be manipulated by central banks.

The truth about why gold is reaching record highs in 2026

The reason gold is so expensive right now is not because gold has changed. Gold is just a metal. It stays the same. What has changed is the value of the dollar.

Over the last few years, the cost of everything from groceries in Chicago to housing in Phoenix has gone up.

This is not because things are getting better. It is because your money is getting worse. When the government has too much debt, they have to lower the value of the currency to pay it off. It is a simple calculation. They owe trillions, so they make the trillions worth less.

I have broken down the core of this problem into five direct observations of the current system.

• People are buying gold because they realize their savings accounts are buying fewer goods every single month.
• The value of paper money is falling because the Federal Reserve continues to expand the money supply to fund government spending that exceeds tax revenue.
• The government cannot stop printing money because the entire financial structure is built on debt. If they stop issuing new debt to pay for old debt, the system stops working.
• This system continues because the people in power benefit from being able to control the currency. Inflation allows them to take wealth from the population without passing new tax laws.
• Gold is the final destination for wealth because it has a limited physical supply. No politician can click a button and create more gold. This makes it the only honest measure of value left in a world of digital printing.

Your survival plan for the current monetary shift

If you understand that the system is rigged to devalue your cash, you have to change your behavior. You cannot keep doing what your parents did. Saving money in a 0.01 percent interest bank account is a guaranteed way to lose 5 to 10 percent of your wealth every year. I have put together a specific sequence of actions you should take to protect yourself.

a. you need to reduce your cash holdings to the absolute minimum required for daily life. Anything beyond a three-month emergency fund is being eaten by inflation. You should treat extra cash as a liability, not an asset. Move that value into things that have physical reality.

b. you must prioritize direct ownership. When you have money in a bank, you do not actually own that money. You are a creditor to the bank. If the bank has a crisis, your access to that money can be restricted. Physical gold that you hold or Bitcoin in a cold storage wallet are assets that you own directly. There is no counterparty risk. No one has to give you permission to use them.

c. you should diversify your geographical risk. The US dollar is the reserve currency, but other nations are moving away from it. Countries in the BRICS alliance are actively looking for alternatives. You should not have 100 percent of your net worth tied to a single government’s currency. Look into holding assets in different jurisdictions or holding assets that are recognized globally regardless of borders.

d. you should consider using debt to your advantage if the terms are right. In a high inflation environment, the real value of debt decreases over time. If you can get a loan at a fixed interest rate that is lower than the rate of inflation, you can use that money to buy hard assets like land or gold. You are paying back the loan with cheaper dollars in the future while your assets maintain their value.

e. you must watch the development of Central Bank Digital Currencies or CBDCs. The government is planning to replace physical cash with a digital version that they can monitor and control. This will give them the power to tell you how and where you can spend your money. As this system gets closer to being fully implemented, the value of private, physical assets like gold will increase significantly because people will pay a premium for privacy.

What you need to do right now

Take a look at your balance sheet today, January 7, 2026. Calculate the percentage of your wealth that is held in paper or digital entries in a bank. If that number is higher than 20 percent, you are taking a massive risk. You are essentially volunteering to pay for the government’s debt through the loss of your purchasing power.

The goal is not to get rich quick. The goal is to not get poor slowly. The system is designed to drain your wealth through inflation, and the only way to opt out is to own things that the government cannot print.

I want to know which asset class makes up the biggest part of your portfolio right now. Is it real estate, stocks, or just cash in the bank? If you tell me what you are holding, I can help you figure out if those assets will survive the next phase of this currency devaluation.

Common questions about the 2026 economy