How to Beat Inflation: Plan today to multiply your money when it matters most
- Moises Martinez
- Aug 15
- 3 min read
Take a close look at this chart
If you’re waiting for “prices to come down,” I have to tell you: that’s not going to happen. Since 2000, the costs that threaten your wallet aren’t coffee or streaming—they’re healthcare and education.
The Bureau of Labor Statistics (CPI) chart shows hospital services up ≈256% and college tuition up ≈188%, while TVs and software have dropped sharply.
Moral of the story: stop obsessing over micro-savings on groceries and focus on Big Wins that truly change your financial life.
Today I want to cover the two biggest ones—and how you can get ahead to win.
1) Health: the most underrated “multiplier” to beat inflation
It’s common to think insurance is an expense—but that’s what people without financial literacy say.
In practice, in major accidents or health events, insurance acts as a capital multiplier.
Two real cases (summary):
Case A. 2021 annual premium: $2,411 → Claim paid: $277,949 (≈115× the annual premium).
Case B. 2021 annual premium: $2,431 → Claim paid: $70,964 (≈29× the annual premium).
When you plan and prepare before the event, you turn a few thousand dollars into immediate access to healthcare worth hundreds of thousands of dollars.
That’s real-life ROI! (And yes, I know insurance isn’t a “traditional investment”… but in practice, it protects and multiplies your dollars when you need them most.)
Our recommendation at Irongate (fast and actionable):
Large global coverage amount (1–3MM USD) + international network.
Smart deductible: choose one you can cover in cash today—or that complements your domestic policy.
Pre-existing conditions & waiting periods: full clarity from day one.
Key coverages: ICU, oncology, second opinion, transplants.
Automated payments: set premiums on auto-pay to avoid surprises.
VIP care: personal medical coordinator + annual policy review + extra wellness benefits.
Life outcome: peace of mind + positive asymmetry. You put in a little and get protection against very large expenses.
Macro data backing the urgency: the most inflated category over the past 24 years has been hospital services. Don’t fight that wave; surf it with the right instrument.
2) Beat inflation in your kids’ education: the other cost that never slows down
The same chart shows tuition up ≈188% since 2000. If you grasp the scale, even traditional saving may not be enough to guarantee the best education for your children.
Our strategy for a Big Win:
Set a target and date (approximate college start).
Automate a monthly contribution into a market-indexed instrument (S&P, NASDAQ, etc.).
Aim for an annual accumulation rate of 7–12%.
Make sure it offers a 1% floor so you avoid losses and shield your money from market downturns.
Use withdrawals/loans to pay tuition without killing protection.
Automate the contribution and forget the friction. Review and adjust once a year.
Operational checklist:
Target and date (e.g., tuition in 8–12 years).
Define the total amount needed for college and related expenses.
Set up a policy with automatic monthly funding (for the indexed instrument each year).
What I’d love you to do today:
5 minutes: book a free consult.
30 minutes: diagnostic session and customized action plan—phase by phase—to optimize your financial planning.
Activation & automation: we configure your Protection and Big Wins instruments, and you get back to your life.
Don’t chase pennies. Buy time, multiply your money, and gain peace of mind.
At Irongate, we can help you protect your health and secure your children’s education. Beat Inflation today.
Notes: The cases cited are real-world examples to illustrate the financial potential of proper coverage. Results may vary by policy conditions, age, and health. Macro information is based on the Bureau of Labor Statistics CPI.
