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  • How Inflation Erodes Your Insurance Deductibles

    How Inflation Erodes Your Insurance Deductibles
    2026/09/10
    We look at the hidden inflation tax on your health insurance deductibles. With core PCE up to 130.7 and healthcare costs rising faster than general CPI, we explain why a $500 deductible feels like $800 today. Lucas breaks down the math behind medical service inflation versus goods inflation, showing how your fixed deductible buys less coverage each year. Luna asks if high-deductible plans are still a smart hedge or just a trap when medical bills inflate at double digits. We also touch on how the Fed's 3.63 percent rate impacts provider financing and premium hikes. This is Episode 187 of Inflation and Your Money with Fexingo. #InflationAndYourMoney #HealthInsuranceDeductibles #MedicalCosts #PersonalFinance #InvestingStrategy #EconomicsPodcast #FexingoBusiness #BusinessPodcast #LucasAndLuna #PurchasingPower #HealthcareInflation #HighDeductiblePlans #CoreCPI #PCEIndex #FinancialLiteracy #WealthPreservation #ConsumerPrices #MoneyManagement Keep every episode free: buymeacoffee.com/fexingo
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    9 分
  • How Inflation Erodes Your Health Insurance Deductibles

    How Inflation Erodes Your Health Insurance Deductibles
    2026/09/09
    With Core CPI holding at 336.8 and healthcare costs rising faster than general inflation, your annual deductible is quietly shrinking in real value. Lucas and Luna break down the math behind medical cost inflation versus wage growth, exploring why paying out-of-pocket for routine care is becoming a significant wealth leak. They examine how high-deductible health plans interact with current interest rates and suggest three structural adjustments to protect your family’s purchasing power against this specific erosion. #HealthcareCosts #InflationMath #DeductibleErosion #PersonalFinance #WageGrowth #CoreCPI #HighDeductiblePlans #MedicalInflation #PurchasingPower #FexingoBusiness #BusinessPodcast #LucasAndLuna #FinancialStrategy #ConsumerPrices #HealthInsurance #WealthProtection #EconomicTrends #MoneyManagement Keep every episode free: buymeacoffee.com/fexingo
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    9 分
  • How Inflation Erodes Your Credit Card Rewards

    How Inflation Erodes Your Credit Card Rewards
    2026/09/08
    We explore the hidden math behind why your credit card points feel less valuable every month. With core PCE holding at 130.7 and interest rates steady at 3.63 percent, we break down how merchants pass on processing fees and how inflation quietly shrinks the real-world purchasing power of your rewards. It is not just about earning points; it is about what those points actually buy in September 2026. #CreditCardRewards #InflationHedging #PersonalFinance #PurchasingPower #MerchandiseFees #CorePCE #InterestRates #FinancialLiteracy #ConsumerSpending #DebtManagement #RewardsOptimization #EconomicTrends #MoneyMindset #BudgetingTips #CreditScore #FexingoBusiness #BusinessPodcast #FinanceShow Keep every episode free: buymeacoffee.com/fexingo
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    13 分
  • How Inflation Eats Your Credit Card Rewards

    How Inflation Eats Your Credit Card Rewards
    2026/09/07
    We dig into the hidden tax on everyday spending: how inflation and interest rates are turning credit card reward points into a losing proposition. With the Fed Funds rate holding at 3.63 percent and core CPI ticking up, the gap between what you earn in points and what those points are actually worth is widening. We break down the math behind the 'breakage' model, why airline miles are particularly vulnerable to devaluation, and whether your rewards program is quietly subsidizing the bank's lending costs at your expense. If you have a stack of unredeemed points or miles, this episode explains why holding them might be costing you real purchasing power right now. #CreditCardRewards #InflationImpact #PersonalFinance #FinancialLiteracy #FexingoBusiness #BusinessPodcast #MoneyManagement #CreditScore #InterestRates #FedPolicy #ConsumerSpending #LoyaltyPrograms #AirlineMiles #DebtManagement #PurchasingPower #EconomicTrends #SmartMoney #WealthProtection Keep every episode free: buymeacoffee.com/fexingo
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    9 分
  • Why Your Cash Savings Are Losing Value Inflation Erosion

    Why Your Cash Savings Are Losing Value Inflation Erosion
    2026/09/06
    With the Fed Funds rate holding steady at 3.63 percent and core CPI sitting at 336.8, traditional savings accounts are no longer a safe harbor against inflation. Lucas and Luna dissect how purchasing power is quietly eroding even when nominal rates look decent. They explore the math behind real returns, why your emergency fund might be shrinking in value despite earning interest, and what specific adjustments listeners can make to protect their wealth in this late-2026 environment. #InflationHedge #PersonalFinance #PurchasingPower #CashSavings #RealReturns #FedRates #CPIData #WealthProtection #InterestRates #EconomicOutlook #FinancialPlanning #MoneyManagement #LiquidityRisk #OpportunityCost #FexingoBusiness #BusinessPodcast #LucasAndLuna #September2026 Keep every episode free: buymeacoffee.com/fexingo
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    8 分
  • How Inflation Eats Your Dividend Reinvestment

    How Inflation Eats Your Dividend Reinvestment
    2026/09/05
    Lucas and Luna dissect the hidden erosion of dividend reinvestment plans, showing how a steady five percent yield can lose ground when core CPI sits at three point four percent. They walk through a specific portfolio scenario using Berkshire Hathaway and JPMorgan to demonstrate why total return matters more than income alone in today's rate environment. #Dividends #InflationHedging #DividendReinvestmentPlans #PurchasingPower #PersonalFinance #InvestingStrategy #BerkshireHathaway #JPMorgan #CoreCPI #RealReturns #WealthPreservation #StockMarket #PassiveIncome #FinancialPlanning #FexingoBusiness #BusinessPodcast #Economics #LongTermInvesting Keep every episode free: buymeacoffee.com/fexingo
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    11 分
  • How Inflation Eats Your Credit Score

    How Inflation Eats Your Credit Score
    2026/09/04
    We look at the hidden link between inflation-driven payment delays and credit score erosion. With core CPI holding near 336.8 in mid-2026, small delays in rent or utility payments are quietly raising your debt-to-income ratio and lowering your FICO score. We break down why paying the minimum is costing you more than just interest, and how to protect your borrowing power when prices keep climbing. #CreditScore #InflationImpact #PersonalFinance #FICOFactors #DebtToIncomeRatio #PaymentHistory #ConsumerCredit #FinancialHealth #MoneyManagement #EconomicTrends #InterestRates #BudgetingTips #CreditUtilization #RentPayments #UtilityBills #FinancialLiteracy #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    10 分
  • How Inflation Erodes Your Insurance Deductibles

    How Inflation Erodes Your Insurance Deductibles
    2026/09/03
    Most listeners assume their insurance deductibles are fixed costs, but inflation quietly raises them every time a claim happens. We look at the math behind repair costs and why your $1,000 deductible feels like $1,400 in real terms today. With core CPI up to 336.8 and interest rates holding near 3.65 percent, understanding how input cost inflation passes through to your out-of-pocket expenses is critical for protecting your purchasing power. #Inflation #Insurance #Deductible #PersonalFinance #PurchasingPower #CPI #HomeownersInsurance #AutoInsurance #RepairCosts #RiskManagement #WealthProtection #Economics #FexingoBusiness #BusinessPodcast #LucasAndLuna #FinancialLiteracy #ConsumerPrices #AssetProtection Keep every episode free: buymeacoffee.com/fexingo
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    8 分