Bitcoin Forum

We all know that almost the entire world is currently experiencing variable inflation, and my country is no exception. Almost all goods prices have gone up, financial stability has been disrupted and most of us have had to incur additional costs to pay our bills due to rising tariffs and taxes.

At the same time I am still thinking about investing even though I am really having a hard time achieving financial stability at the moment. If previously I could save 50% of my total income for investment then for now only 25% seems difficult. If you are also experiencing this condition, then I have a few questions to answer.

• Will you continue to invest even if it is only 10%-20% of your total monthly income?
• How do you achieve financial stability during this inflation?

Share some of your thoughts, I think it would be good to consider especially as long as this kind of condition persists for a long time.

Currently because of price increases of almost everything we consume, Food, fuel and energy
it is very difficult to convert FIAT to Bitcoin. Its actually difficult to save FIAT, every bit of
disposable income is being spent even with cut backs on spending.

Financial stability could get quite difficult if inflation continues to rise there may be
cause to reschedule loans for example. Pay less per week/month by extending the term.
This should be only a consideration for the short to medium term but it would free
up some funds.

Probably to ask not to answer as this would be a monologue but that's not important.

Rather than focusing on the how to deal part I really want to point out one of the most important thing, the complete busting of the myth that when inflation hit a lot of investments will flock to either crypto or crypto-related business like there is no tomorrow. For years I've told people that when inflation starts biting your revenues there is far less money you can afford to invest as a bigger chunk of your income gets to basic necessities.
So if some think high inflation, economic crisis, and so on will mean billions poured into investments you're deeply mistaken. You don't think of investing when you can't afford food.


I don't think I've ever "invested" more than 50% of my monthly income, probably there is a difference because of age and family but when somebody starts cramming all his money into "investments" he might regret it when he realizes some of the profits are spent on prostate exams.
Of course, when we talk about income I mean my usual monthly wage and I don't consider savings as an investment.

• As long as it is financially convenient to do so, Yes.
You should only invest amounts you can spare and would not be needing at that time, this value changes based on your financial situation and you should adjust your investments accordingly.
10-20% of one's monthly income is a healthy amount regardless of economies crisis. The idea is invest amounts you're comfortable with, could be 2-5%.

• You should ideally have prepared for this sort of situation before one gets into it; Saving for the rainy day.
Growing your income sources is one way to survive an inflation.

The pressnt inflation should not be discouraging factor and therefore be a holdback for making investment. This period seem to be a raining season to almost all investors , though the economy is tough and bitting hard on people,  it's equally the best time we should invest a little percentage of our income and take advantage of some declining digital asset and other asset class that is currently plummeting in price and wait for sunny day.

It doesn’t matter how much you invest, as long as you do this consistently you can achieve your financial goal so yes 10% monthly investment is still a big thing for me and if I have the chance i’ll do it.

Financial stability can means a lot, and will always depend on your lifestyle and standard. Personally, I’m just investing my money because this is the only way to fight inflation, aside from now spending too much on my wants.

I tried to give an answer about your question, but this is actually based on my perspective.

• Of course if in fact we are completely safe to do so, especially if we really feel that it is financially good and not annoying. 10% of your total monthly income on a regular basis might be a good thing to consider, but getting to 50% is very difficult.
• Having an additional source of income, may be able to help financially. But to achieve financial stability it really depends on each of us. But if you have assets in your current portfolio, then keep them because it will help you in the long run (especially if the assets are potential).

You're still lucky if you have the money to invest no matter how much it is, because not all can afford to do this at all.
Investing is the only way to beat inflation, and even the government can't handle this so better to do it on your own.
During inflation, the only way to achieve financial stability to have a good budget and have a financial planning, its not just about investing it should also cover your money decision because dealing with a hige inflation is not a joke at all.

Loans were recommended as one method of attempting financial stability during inflation. Inflation can rise at a faster rate than loan interest, which could result in smaller payments over time.

Investment banks are the biggest HODLers and largest transaction volume of stocks, crypto and precious metals. This essentially gives them good influence over all global markets. Even real estate markets are typically bought and sold with bank loans, giving banks good influence over the market. In times of inflation, everyone is searching for assets that are independent and reliable. Its not the easiest quest to undertake.

Monthly payment plans can also be a good arrangement for eras of inflation. If inflation is 8% and loan APR is 3% payments decrease over time.

10%-20% of monthly income can be invested in an infinite number of ways. It could be inaccurate to think of investment only in terms of assets like stocks or crypto. Proper exercise and a healthy diet are investments. Improving life habits can be an investment. Its good if a person can see improvement over time. As long as circumstances are improving in some way, then investments could be paying off.

for the first time don't expect inflation freedom, because of course we have to keep putting it aside every month, so that later it will grow and in the long term this will help us as long as we can still work. as a calculation if 10% then in 10 months we have saved 1 time salary, and in the next few years we have saved several times salary, and this will grow as our investment increases, until finally at least in the next 10 years we can buy wishes

Financial stability during this period was also really difficult for me. Regarding long-term goals, I will continue to invest even though the investment amount is not as stable and large as before. But surely I will not stop, today I may invest little but I can accumulate from small to large.

We are experiencing inflationary days and it is possible that inflation will continue to increase in the coming years, so investing is an effective method for us to avoid the damage caused by inflation.

1. Yes, why wouldn't I? 10%-20% seems to be ideal. As long as you aren't investing in some shitcoins, you should be fine. Even better if you are investing in bitcoin or other well known top altcoins like Ethereum.

2.Through holding different assets such as crypto currencies instead of holding the fiat currency that will eventually have no value.

I am investing 100% of my monthly income. Buying whatever asset I can. I don't think the FED will be able to fix the issue because Powell is a coward. If they were serious about the inflation, they would have raised the interest rates long time ago. All they did is talking. They are still talking by the way. We will do that, we will do this. They ain't doing shit.

I have the same situation as you.  Previously, I had an average monthly income, and after dividing the expenses in my family, eating, living, electricity, water, internet, etc., I still had 60% of my salary to balance my investment.  .  .  In this time of high inflation, hard work, high cost of living while salary fund is decreasing, I only have about 30% of my expected income to invest.  I decided to still invest that 20% in crypto.  I don't want loans in a precarious, risky and difficult situation because nobody knows how long these bad times will last.  So I decided to invest even though the capital is low, but it is a glimmer of hope more than accepting fate and going with the flow.

The only way to increase financial stability in this time is by either increasing your income from the source that you are making or increase the number of income sources that you have, apart from that there is no 3rd way, i feel it's unfortunate to see how inflation has panned out in recent times and is clutching savings almost entirely. I feel no matter how much you crib about it eventually there is nothing you can do about it, you'll have to surrender youself against inflation and remain financially stable by increasing sources of income.

A 10% of monthly income is the max I would invest. But this depends completely on market prices of the assets I am going to invest in. One month might end up being a complete dry month and another one where I have to stretch it to 20-30% of income because I am getting assets at prices I could only dream of. But this is a regular and continuous game, you need to keep tabs and not allocate a fixed amount but a variable amount every month.

Dont focus only on crypto, there are fiat based markets in every country, namely stocks, bonds and metals. You need to keep tabs on those too. Dont forget that at time when crisis occurs in one sector, the other sectors will back your portfolio up. There will be times when crypto volatility willhit your mental stability hard, at such times, knowing that you have profit at hand from others will give you the boost you need.

This becomes specially important in the long term game.

For me, I stick to my old formula, continue to accumulate in small portions, doesn't need to have certain numbers though, as long as you can kept and saving through the years with this inflation, then maybe your investments in the thing that can will put you above waters in the future in case something worst happen around the globe. A couple of weeks ago, I look at one property and decided to invest on it, one way to diversify as well. And yet I can still continue to save and invest and wallet are not going to be drained with the property I bought.

I know that it was a mistake and people need to change their mindset about it for the better. Obviously meeting basic needs is one of the most important, meaning that only after meeting those needs can be used to invest while we also need reserve funds for something that is really needed in an emergency.

Honestly, I am also the same, but 50% for investment I can only do 3 to 4 times a year depending on how many needs I have to fulfill each month. It's not a consistent percentage, while 20% is my average so far.

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I haven't thought about loans, it might be risky for me while currently 20% of the total income I can still invest regardless of which assets I like including gold and crypto.

Yes, we can't always think about money while our health is almost neglected just because of something so mundane. Investment is defined as something that is expected to increase, not only a matter of money but a good quality of life is also needed. Thanks for the warning.

Investment is to channel some free money into area where more money will be expected and so if 10% - 20% is left of income, it should go to investment no matter the level of inflation. The challenge is to do a real investment that on the longtime can generate the required income but not to throw money into shit coins because they are cheap. For cryptocurrency investment, bitcoin is still standing as the best investment, buying into bitcoin is profitable.


Inflation will keep rising because of war and money printed to execute them. The way to take care of inflation not to affect the individual family is multiple stream of income and that can be achieved by multiple investment.

1. Of course. Assuming that you have your emergency and rainy day fund sorted out already, what else would I spend the money on? Unless you want to start a business or something then what else but invest.

2. Try your best to increase your income and lower your unnecessary spending. Those things that are given as good finance advice in general(books, etc), regardless if in an inflationary economy or not.

For now I am still quite comfortable with the percentage of my ability to invest around 10%-20% every month of my total income, but when the crisis and inflation continue without knowing when it will improve then personally that percentage will decrease gradually.

Additional income, maybe that's a solution that can help but yeah that's the problem. The signature campaign might help for a while, but we can't expect it to last long as it will definitely stop at any time. Obviously we need additional income.

Of course we still need to think about investing even though we can only have 5% per month of total income, that is different from savings because I also have savings that I don't use for investments that I will only use when urgent. Of course I'm thinking of business, this is another way to strike a financial balance between expenses and income and it's true that so far I've tried to keep down the very non-urgent expenses that I then shift to savings.

But it's still all about me, but what about you? Maybe I can compare them to do something better.

As you've thought, almost every part of the world is truly affected with inflation but no matter how small the chances are, there must be a way out, i will advise you to strive hard and never relent on your earnings you manage to invest with, also try and work out an alternative means of income, think around your vicinity what service you can render that best meet people's demand and need, pay the cost now so you can enjoy the smile tomorrow.


Yes, because investment on itself is an asset which can yield good return with time.


Refer to my first point and double your source of income and cut short liabilities and reduce cost of your daily living expenses.

Talking about investment, of course we talk about financial assets that are more than the cost of our basic needs, if the cost of basic needs does not meet, of course we don't need to talk about investment. all countries are currently experiencing inflation and we have seen together that investing in cryptocurrencies, especially bitcoin, can overcome the reduction of inflation in our lives. so investing is the best way now.

The sad part is due to war and the whole of Ukraine going in ruins there is no way for us ukranian residents to achieve the financial stability. The harder Part is considering how it would affect the educate and the whole future as a whole as well. For me all I can earn right now is through the forum which does mean that the income is only sufficient enough to take care of the food, therefore for me personally it's a dream to have enough money to even save 10-20%. But if you do have to understand that the only way you would be able to survive the inflation is through investment and investment in not anything but in something like cryptocurrencies like bitcoins, shiba, you can see how far the price goes, up and down and trade on it as well. It's all about the strategy and continuing your education so that you get better well paying jobs as well.

The best option is to put your life's needs first before thinking about investing. You won't really be able to invest consistently during inflation because your financial needs are increasing, so investing is never a way to stabilize finances because it's actually the worst option when you don't have enough finances to make ends meet.

Investment is a good choice to grow your financial strength in a certain period of time, you can't force the desire to invest consistently, especially when you're hungry. So the investment should be made after you meet the needs of life even if inflation is happening.

- the price of goods in my country has also increased, even the cost of my rented house has increased but I still keep investing 15% of my monthly income every month.

- During this inflationary period, what I do to maintain my financial balance is to reduce my daily expenses to a minimum.

And even if it is 10-15% of your income. Later on, you will realized that's a big thing already. At least, the idea here is you have investments. Most people actually don't have as they are living from paycheck to paycheck. You are lucky if you can still save that 10-20% of your income. And you are right, you can always reduce your expenses by not buying unnecessary things like a cup of coffee. You can save money if you will make it at home and not order from outside. Small things will help you bring down your expenditures.

That's the difficult part. World economy is going to shit these days and while I can still do some investments, I am incapable of doing it easily, and it is pushing my limits. For example, I did some investments for this month, put 10% of my income into investment, but I also have debt that I need to pay, I assumed I would be able to pay it, and live with the 90% of my salary, but looks like it is going to be a challenge.

If I use that amount to pay my debt, then I would be comfortably closing up my debt and living a much better life, but if I do not do that, then it is going to be quite a challenge for me. If this keeps up, I won't be able to save any money monthly.

Inflation has affected all of us indeed, particularly, I didn't invest any money of my salary, nor could I save 40-50% off my salary aside. With that being said, I would only hold all my earnings made via signature campaigns, but with the current condition, I'm seriously considering withdrawing half of what I'm making per month, since the cost of living has greatly increased.

Yes. If you can invest less now because everything has gone up, then invest less. In general, what you have already invested, if it is in high quality investments, will tend to go up as well, so even though you may have less disposable income, your net worth should not be affected as much.


Let us clarify what we mean by financial stability. According to the first result I get in google:
 (https://smartasset.com/retirement/10-steps-to-reach-financial-stability)

"When you are financially stable, you feel confident with your financial situation. You don’t worry about paying your bills because you know you will have the funds. You are debt free, you have money saved for your future goals and you also have enough saved to cover emergencies. Financial stability isn’t about being rich. "

Acoording to this, I achieved financial stability before entering this period of high inflation. How you and others achieve it depends on many variables. I would summarize it as:

1) Have a contingency or emergency fund. This is the first thing you have to have.
2) Keep investing (I assume that, as you say, you already have investments).
3) Try to increase your income. Try to get paid more for your current sources of income and also try to have more sources of income.

How are your investments doing? Did they bring you profit since then? Are you trading? If yes, then you can try this method: If your salary is, let's say, $3000 and till today you were saving 50% of it ($1500) but now aren't able to do so but your assets worth $30 000 USD, then if you do trade and aim for 5% month profit, you can compensate that $1500. But you have to decide what's your priority, 5% profit of USD value or 5% of your asset (its value can fall in USD but you can grow asset in numbers). What I wrote is risky and I don't recommend it to anyone, it may sound dumb for some, not for others but I always keep in mind that I can do this if there is a right time for it.

Also, do you have hobbies that you can't give up on? Like Fitness, Gaming, Writing, Illustrating, Gardening, etc. You can profit from them via various ways and methods, for example:
Fitness - Create Instagram, TikTok, Youtube channel and post your videos, daily training, body transformation challenges, how to do workout videos, nutritional guides, etc.
Gaming - Create Twitch, Youtube channel and stream your gaming sessions, give some tips, advice, strategies.
Writing - Write a book and sell it, it's hard but if your passion is that high, it's possible. Or you can also publish articles in news websites if you are really great at it, become an copywriter, etc.
Illustrating - Master your skills in Adobe Illustrator and other programs and work as a freelancer on websites like Upwork, Toptal, Freelancer.
Gardening - Again, Youtube, TikTok, Facebook and Instagram can be your best friends. Record videos, share tips, post your garden images.

Once you turn your hobbies into additional income, then you won't worry much about the inflation and will be able to save even more if you keep your requirements at the same/previous level.

We see the economic situation of the world running on the inflation terrain and one have to see the need to device a means to sustain through this difficult challenges, many have been taken the advantage in bitcoin investment and in your own case you don't have to under estimate the role your low income could become later in future with your investment in bitcoin, we have many occasions whereby business investors seek the use of bitcoin by converting their assets, thereby using bitcoin to overcome sanction and inflation, no matter how little your income,  just keep on with your investment in bitcoin, the future is tomorrow.

Inflation will continue to occur, no country will experience deflation because the central bank always prints money without proper calculations, this is what makes us have to invest so that we can survive, and the best investment option is that it can be turned into cash at any time so crypto is my first choice for now.

And who said deflation is better? Trust me, people who are struggling to survive aren't going to invest money, nor the adoption of cryptocurrencies is life saving in such cases. If people are anticipating a decrease in prices, they stop purchasing non-essential goods, cutting down the demand, thus, decreasing the flow of money in the market.

There is no denying of how much every country is facing money inflation including my own country and it's causing high level of anxiety due to rapidly increasing prices.
And from last year COVID situation making it more and more worst for so many.
To handle a situation like this  you have to be calculated and it doesn't matter how much you hold to start investment but what matter is how persistence you could be to achieve your goal. It's really hard to start but if you put your best into something you are good at it, you will get good results in the ends.
Am speaking with my personal experience as I faced the same situation 3 months ago but now am doing fine and increasing my investments.

The whole situation is a mess, we went through many years of financial depression in Greece, a lot of austerity measures. When things started to get better, Covid-19 hit, taking everything along its way, tourism was devastated for the past two years (last year wasn't that bad, but still quite worse compared to pre-covid levels). Now, after the immense pandemic crisis, the increased living costs due to inflation are creating huge pressure in the economy and the society.

Of course, the future of the economic consequences of current events is unknown now, I will also choose places to create additional reserves in addition to foreign fiat, I had not thought about this before.  Really very much complicate the mandatory expenses that have grown by 30-35%, this has made my life very difficult.

All of this actually depends on the individual and what their income actually is, for a person who earns barely enough to handle their basic daily needs, i am pretty sure they would scarcely be considering any sort of investment, definitely not in this period. Having said that, as for myself i would basically just follow the same part that has been working for me for so long, i have never invested more than i can afford to lose, so i would continue in that way, investing a certain percentage, saving the rest for future investment and keeping some for my basic/daily needs.

Having said that, as for financial stability, that isn't something one achieves in a short space of time, it takes time, as well as careful planning, all you should simply do in this period is live within your means, cut down on unnecessary things and invest wisely, so somewhere along the line you could become stable financially.

Really bro, gaining 10-20 percent of income on a monthly basis is golden opportunity in my situation. It is sure money rather than doing nothing, stagnant money on banks gets you nowhere, I'd put them where they would gain some.
I describe myself being stable in a way all of that 20 percent income goes to untouched, bills paid and things I need are bought. If those incomes is intact, I would prefer them to added as a capital and gain more.

Yeah, for sure.

You want to be saving & investing as much as possible during this period, as well as stocking up on essentials wherever you can because inflation can really bite you in the arse when you least expect it.

I would also strongly suggest anyone looking into inflation hedges to stay away from the stock market and real estate markets, which are clearly in huge bubbles right now. Invest in traditional inflation hedges like gold/silver or cryptos instead as they have a capped supply.

If you want true stability during inflation, precious metals is what you might diversify into. The individual percentage isn't particularly relevant, as long as you invest what you can. I haven't seen anyone that would be satisfied with their purchasing power going down with high inflation rates, so investing in something that has some solvency is better than letting your funds sit and lose value. People choose to not do anything and that's their prerogative, but even if you're capped at 20 percent, better than what most people are doing.

Inflation seems to be unavoidable, dam if we have fiat money in the bank, for example, every year it will experience depreciation of value, for example in us buying food ingredients, which this year certainly costs higher than the previous year. Therefore many people choose investments to secure their money because they have a higher increase than inflation, for example property, every year increases, and it can be said as passive income

I am also gradually feeling the price of items skyrocketing. Some items in my locality have increased x2 x3 times compared to before. But as someone who invests in many different areas of finance themselves, this is still almost a job that I have to do, maybe not more related to money but research and evaluation looking for opportunities. Making money for myself is still something that I do every day.

I think we should invest anyway. If their size has become smaller, but it is impossible to completely stop making investments today. The situation in the world is changing rapidly and we must be confident in the future. We cannot invest if our expenses exceed our income. In all other cases, we must not stop. It can be fiat, cryptocurrency, securities, precious metals, but it is very important to invest right now.

Apart from cryptocurrencies, precious metals are the right choice of investment assets for everyone. I've been doing it for a long time and I can probably say that most of you have invested something there too. Indeed I want good financial stability, I know that only by having a side income stability can be achieved. In addition, I am also thinking of investing in a bank or staking which allows me to get passive income. But as long as inflation is high enough and not better off in the long run then both investment options may not be of much help because of the low annual interest and risk involved.

Although the cost of living in my country is low compared to other countries, during inflation the financial stability is really chaotic. It's hard to achieve stability, but so far I'm just trying to make it look good.

If we continue to keep our assets in the form of paper money, of course we will continue to experience inflation. we have felt now where all goods began to increase in price ranging from basic needs to tertiary needs. So the best solution to overcome inflation is to convert fixed values ​​such as paper money into productive assets such as investments. investing is the best solution when facing prolonged inflation.

To be honest the condition isn't to newly invest in cryptocurrency. Still surviving well from the income during this inflation. So it's hard to make new investments in crypto for middle-class citizens like us. Some people even spending a hard time surviving. Especially due to the current Russia-Ukraine war capitalists are taking advantage by manipulating goods prices. If the situation continues like this then likely many people have to sell their crypto to survive. So overall situation is worst lately.

Precious metals are a good recommendations but consider all the market capitalization in it compared to cryptocurrency, you could see that the difference is with a large margin, but i will encourage both at a time if the opportunity is there because any investment that could withstand the power of inflation by not been affected with inflation or going down along side with it is really worth it, and the worst liability that could guarantee inflation is having your financial assets in fiat banks.

Indeed, with a situation like this, especially if you live in Ukraine, it is certainly difficult to invest. but for those who understand that war will occur, they may sell property or other assets to invest in cryptocurrencies, because it is safer for life after the war is over. then for middle class people like me teaching investment to secure the assets we have is very important. that way we will have the opportunity for a better future, even become rich people

Inflation is a common thing everywhere, prices will continue to rise because the stock of money and goods is not balanced, when inflation occurs of course the best thing to avoid is investment, now we can get big profits if you want to invest in cryptocurrencies, make sure to always actively follow development.

No, I wouldn't even consider investing as long as I didn't have enough money to do so. I certainly wouldn't force investing in difficult situations because basically investing is done when you have more money after all the needs are met. Moreover, to achieve financial stability in this difficult situation, we really need to get a side job so that we can have additional income. But it's not as easy as it sounds because a side job is always hard when you don't have a good business.

We don't always work beyond our time every day so no matter how good the advice, only you know how to manage your finances and your time well during inflation.

I heard that a side job that generates income can be considered to achieve financial stability, this is important. But honestly I think trading and making good use of capital in the market is also something to consider. Yes, I know there are risks, but we have to really think about how this money works for me.

I thought of a few things that might be profitable in the short term but obviously I have to start at 0 as this is a physical endeavor that requires me to work part time to manage it. It's like animal farming or fish farming, but it takes extra time to manage. Do you think something like this would also be profitable?

There is no good, bad or normal way to accumulate more coin in this inflated economy. I believe everyone knows how much they have left after drafting out their monthly budget including taxation and utility bills. It's even getting more difficult having any tangible savings this days but in all despite how hard and tough the economy keeps going the wise keeps saving no matter how small. $20 worth of btc is better off than having no investment at all

If you have the desire to save money, even if your salary is small, you will achieve it. Because it means, you need to be frugal with some aspect of your life like not buying coffee outside but rather making your own. Or making your own lunch and not eating outside. You will be surprised that those little savings, at the end of the year, it is already a handful and you will tell to yourself that how come you save that money even if you have just enough? Dedication to your goals is important in achieving something in your life. If small challenge you are giving up, you won't go anywhere with your targets.

I would encourage you to alway try to keep your investing up. Now is the best time to buy, markets are lower, bitcoin is lower etc. 50% savings is a massive % of your paycheck anyhow. Most people on average save about 10% of their monthly paycheck. It’s important to keep the investing up, even if it’s a fraction of a percent, just save as much as you can (within a reasonable amount ).

Hi how are you, bro

No doubt the whole economic is catching a cold after the virus spreading, especially the spreading has last for almost two years and a half.
Anyway, there is still a good growth in China here, maybe just the difference from running to walking, slowed down but still step forwarder, doesnt it?

You're welcomed with the invest here, and we're willing to help on that.

Yes, for as long as that 10% to 20% is extra savings. That means, it could be left dormant for years. But if that 10% to 20% is intentionally taken out from your monthly income despite belt-tightening measures simply so that you could set aside an amount for investment, I don't think I would. There's risk in investment so always invest only what you can afford to lose.

But if you have extra savings, it would always be best to invest it rather than keep it in fiat which is constantly losing value.


I don't have much problem because I am not supporting a huge family. But it is always best not to rely on a single source of income. And as always live a modest life.

Of course I will continue to invest part of my income in potential sectors,,, but indeed to be able to achieve stable financial conditions today is quite difficult, due to inflation and economic uncertainty ... but even so this is a challenge for me so that in the future I will be better at managing my finances

Inflation is an issue that everyone is concerned about today when fluctuations in the economies of major countries in the world such as the US, inflation can increase and devalue money globally.  So to overcome the inflation period and keep the value of your assets, investors are still wondering whether to buy gold or invest in Bitcoin more profitable, I recommend you to invest in bitcoin because bitcoin is safe and higher security.

You just to make sure you are not investing more than you can afford to lose, it is a simple but often overlooked statement. Like I said, 10% is like a ceiling for me but I can stretch it by another +5%.

Do invest in potential sectors and help their growth, you will reap their profits and get your share of sharing their burden of costs. But at the same time be diligent about what you are investing in. Do not follow blindly what others might suggest. Inflation has been there since the dawn of fiat currency but that does not mean you will not invest in fiat markets, that is being stubborn.

Bitcoin is only safe if the person holding it knows how to keep their coins safe. Gold is safe in a sense that you can store it in bank-lockers and they have some sort of insurance in case of theft, bitcoin does not. Majority of bitcoin thefts are due to lack of technical know-how. This should be corrected.

The situation is out of hand beyond making an investment, making an investment is only the solution an individual can implement but what about fixing the already delapitated economy going down into recession? You need to see how the effect of the pandemic and ongoing Russia war has placed a grid lock on the world economy system, this is a global challenge and has to be fix before the whole outbreak of recession looms in and by this time every country will be affected.

So far it is true that crypto prices are much lower than before where bitcoin is still losing 40% of its price since ATH. I consider bitcoin as an investment asset and very worthy to be in my portfolio in the long term, besides that I am also willing to hold several other altcoins that I think have good prospects in the long term.

I don't keep fiat as savings, but I have a reserve fund in fiat that I only use on a daily basis and for urgent needs. Obviously fiat will lose its value during inflation, so fiat is not a good choice to keep at this time.


It's different with me, I have a family that depends on my income and I really need to be able to meet all their needs while I also need to have an investment for the future. It's hard to achieve stability because so far I've been the only source of income, but regardless of the circumstances I still have to figure out the best way to make it less problematic and I also really have to be grateful for that.

that is great responsibility for you dude but never give up about finding money , there are alot business opportunity around us as long as we continuesly move. maybe online or offline could be our place to earn money although it is not enough. splitting our income for daily needs and investment was not easy except we have huge monthly income which is come from any sources.

try to find more income source ,and dont depend on our income source at this moment. maybe looks hard but we must try so from this income we could have some investment for our future and family.

I dont have certain percentage of my income meant to invest monthly in crypto. Usually after budgetting my salary for the expenses for a month and set aside everything for essential and for savings, the spare money left is what im investing. Its not too much but thats the amount that I can afford not minding even if I lost it.

Aside from my real job and the sig campaign where I am in, I also have business and other sidelines (selling pre-loved clothes online and a reseller of different products). That way I can maximize my earnings and even inflation is inevitable to happen, I can still manage to somehow live without much hardship.

The country's economic order will improve as the government only concentrates on improving the economy of its people. if there is still war and the government is thinking of itself, then the economy of such a country will sacrifice the prosperity of the people. and being a people we have to be creative to improve our personal economic life, remember that we can employ people, thus providing welfare for many people, and if the economy is strong, I don't think inflation will have much effect, because we have more than decent income

Inflation will continue to occur because of the increasingly difficult supply and production costs that continue to increase, to survive inflation of course we must continue to increase income and in my opinion investment is the best solution while we continue to work.

For your first question, investing has been an essential factor with regard to my daily life. It created this duty where I have to invest a certain and fixed amount of income allocated for cryptocurrencies primarily based for long-term HODLing. Though inflation has made it relatively easier/harder (depending on the circumstances) to profit, long-term HODLing would be the key in order to address this problem.

For your second question, financial stability is all about deciding if you can invest a portion of your income or not. If you can allocate a certain amount of income for your investments without having to compromise your monthly obligations, then feel free to invest. If, due to inflation, you are experiencing difficulty in profiting, then you might need to adjust your allocation to your investments.

Entire world was facing the economic problems now.The new cases of corona also begins,don’t know what going to happen.People already suffering huge on the inflation ,the economic crisis was affected huge sections of the society.All the traders will hold for the reason.They will going to cash out.So huge reduction in the price of bitcoin,hold till the huge dump in price.

That's a good choice in my opinion and I think you've done the right thing. Besides of that, I think bitcoin which is famous for its anti-inflation assets is a good alternative for you to consider even though you can actually invest in physical assets such as gold and others.

But I think 10% of total monthly income is a viable option to invest wherever you want. I have physical assets as well as cryptocurrencies and these two assets you can also consider long term.

Well, 5% of investment from your total monthly income is already good so 10%-20% is more than enough and better. And that's the way for all of us to achieve financial freedom.
We have to keep on investing and making a lot of ways to flow income to us. Inflation cannot be beaten but you can do something to go along with it and that's having more income like from side hustles.

Regardless of how much you can save to invest, that won't matter as long as you only invest an amount you can afford to lose. And invest like there's no expecting to made some returns. That way, you will just let your money sleeps and forget about it, and definitely in time your money has grown eventually. There's always a good advantage if you have an investment, you will build your wealth in the future, you stay ahead of inflation, and you have higher chances to meet your future financial goals.

I guess inflation is here to stay so we can't do nothing about it but accept and defeat it through engaging ourselves into potential investments. Even if the capital is small, but as long as you have the knowledge and motivation to make it grow, then eventually your investment will boom once it succeeded. And when you are already making good profits from it, then the next goal is to be financially stable and you can only attain it if you use your profits to invest again into another potential investment, thus making yourself creating a multi sources of income.

When you see the price increases in the items of goods and services that you consume in your daily life it is like an escalation, they all increase at the same time.
Yesterday I received the news that the monthly payment of my nephew's high school increased by 50%, there is also an increase in the telephone service, later I will see the increase in the funeral service because I have not yet been to their offices.
In my country last month pension payments increased and perhaps it was the reason for the commerce sector to increase in escalation.
Inflation will always be with us, seeing it this way I maintain my conviction to continue investing in bitcoin to counteract the effects of inflation.

The current high inflation is making our lives miserable by spending too much from our income because all the goods prices have been widely increasing. And if we do nothing about this, we will end up living in mess and suffer extreme poverty. However, if we save any amount for investment purposes, that will prevent us from suffering inflation in the future. Regardless of the amount, i think it will always be a good idea to invest particularly in crypto because as the crypto value appreciates, the returns will certainly a huge amount. Thus, increasing the probability of making us financially stable in the future.

We all cannot prevent price increases from occurring for the goods and services we use every day. Moreover, with high inflation, the burden of
our lives is getting heavier if we can't find a solution to deal with it. The way we can apply a frugal life, it will help solve the problem, but it is
not effective. The best thing is that with us investing, it will make our wealth increase in the future and it will solve our problems. But we have
to invest in the right assets, so that we can get big profits and also be able to overcome the problem of rising prices for our daily needs. In addition,
we can also face problems related to inflation that continue to occur. I think investing in Bitcoin is the best solution, we can see how Bitcoin
performs compared to other assets, if we consistently invest in Bitcoin, then we will be able to generate large profits in the future. So never delay
investing in Bitcoin, so that our future is brighter.

I do 10% as well with most stuff but not with btc and eth. Most of my investments are with them and they will be basically there for a long time. The only reason why I did more than 10% for those two is that I do not see any other project that would be as good as these two, they are basically my 100% if I wasn't following a bit more rules, they are at around 65% these days, and the rest is exactly like you said, it is 10% and less, mostly even under 5% for many projects.

It's just me, I might be doing something wrong and maybe I will be losing money because of it but those two are exceptions to my 10% rule and I could buy even more of them in the near future as well.

You are right but in some cases it’s totally different. There are times that things would get quite hard and you wouldn’t be able to take out any part of your monthly income for any form of savings. Things has really gotten quite expensive, especially foodstuffs that you would buy in the market, and any little money that you take off from your monthly earnings would really affect you for the month.

Just like the other time that I tried doing savings, and by the end of the month despite how hard I tried to reduce expenses, I still ended up borrowing some money to hold off myself till the month ended. So, it isn’t really that easy as some people would say it is. But it’s good that we keep on doing our best no matter what. Because investment is a really important thing that we must do.

Yes, the level of inflation this time around did affect me. Before I usually make about 60% or 50% of my monthly income into savings and investment, and sometimes I can even go as much as 70% into savings and investment, while I keep the remaining 30% for other expenses that I would have to do for the month.

But, this time around is very difficult for me to make any savings or investment due to how costly things have gotten, a lot of things has really changed. So far I’ve narrowly made much savings, or investments, but I’ve been able to take out a little amount of money within three months for my investment. As for the end of this month, I really don’t think that I would be making any investment at all.

But, I’m also trying as much as possible to reduce the level of expenses I make, so that I would be able to get back on my feet and start things the way I used to do them before.

When I was a kid or 20 years ago with $5 I could eat in a restaurant and I could take 2 ice creams, but when I back to the same restaurant with the same portion I have to pay about $30 or up more than 600% than 20 years ago, current inflation it is difficult to prevent and the thing we can do is invest.

Taking into account that each unit of fiat that you decide to not invest keeps losing purchasing power due to the inflation tax then without a doubt it is mandatory to keep investing in a store of value even if you could only save one percent of your capital each month.

And about your second question, that depends exclusively on you, at this time we need to reduce our expenses as much as possible, and if that is not possible then taking a part-time job may be the only available choice you may have to get into a more stable financial position in the near future.

I can say that sometimes expectations do not always match the reality that we face even though we have really managed our finances as well as possible. To achieve stability, we need money while we have no other job that can help us financially better. Many people depend on main income while few of us have other part time jobs but if we have both then one source of income can be saved even to invest so stability will be achieved.

One example: Use the income from your main job to make ends meet and invest most of your income in crypto for the future even if you can only afford a small amount.

It is always advised to us to invest especially in cryptocurrency such as bitcoin when there is an inflation because it is said to counter its effects but they didn't realize that when we invest, we will end up with a fewer money on our pockets and this will not be enough for our spending since the price of the goods are now rising. I think the solution is to cut the money that you usually used for investing.

Investing some small amounts is still better than not investing at all. It's hard to become financially stable in times of inflation and it will be more harder if you have unstable sources of income like your only depending on cryptos to live.

No, I don't depend all my needs on crypto because I have other jobs that are also earning. Of course I'm asking not only about me but I'm also asking about you. So I don't expect all of you to suggest only what's best for me, but also what's best for you.

I agree with your point especially about investing small amounts from nothing.

With the high inflation that we are all currently experiencing right now, even 10%-20% from our monthly salary is still hard to save for most of us, but good thing that you are able to do it. Just keep on saving and when you have enough capital, start to invest it to some high potential investments most particularly bitcoin because that is for now, the most profitable investment in the crypto space and may soon to bring you into financial stability if you can handle the risk in managing bitcoin investment well.

Yes, I will continue to invest even if it is only 10%-20% of my total monthly income is not about how you start or what you start with, it is about how you continue with the plan because a drop of constant water can form an ocean.

It's inflation we're talking about. I believe no one achieves financial stability during inflation they just make the best out of every opportunity the market throw at them, hunt for new possible opportunities and I hope for a better future.

The inflation, the increased fueling and electricity costs and generally the living costs have skyrocketed, rendering saving or investing almost impossible. The past few months have been unbearable, March was the first month in years, that I've spent more than the whole salary. I used to save a decent amount of money in the past, but I guess not anymore.

The government has now imposed an 8% increase in salary, we'll see how that plays out, not big of a deal to be honest.

I wouldn't really trust my money in gold. I know that there are offers from banks in some nations where you could buy gold, and digitally store it, you do not actually physically own the gold but they just give you digital ownership of it which results with you earning money when the gold price goes up. But that would feel like I am not the owner (which is true) and I wouldn't trust the bank to be legit about it.

However, if I physically go out and buy gold then I would be basically losing my mind over if it's stolen or not, I had some euro in my house today (I am not the owner) and I lost my mind about how to store it just for a few hours. It's just simply a worse version of bitcoin.

Any efforts made by the state and the economic team will not succeed in fighting inflation, this is because many things can cause inflation to occur, for example, an increase in oil prices, thereby increasing production costs and of course increasing distribution and so on.

Inflation is that situation where the price of product is increased and the value of money is decreased. When you want invest your money, you should more concern about the inflation. For investing, 1st you should calculate the future value of your money. If the present value of money is less than the future value of money that's mean you may gain profit. Then you can invest.

I totally disagree with this, because what you're saying is that there's no way out of the inflation which is not possible else the whole economy will sink into recession and by then things would have gotten worst than expected, you have to understand that we have the role of the "National Economy and Strategic Planing Committee, Federal Ministry of Budget and National Planing, the Central Bank, IMF, World Bank, the Fed Reserve among others just to mention but few,  in which they were all saddled with the responsibility of controlling the economy system as against inflation and it is their duty to study, analyze and plan the budgetary allocations such a way that will ensure sustaining the economy and keep it running.


In other words, the demand is higher than the supply and this will cause increase in commodity prize, but before that set in is where the role of the government should come in by fixing that.


No any amount of fiat you can invest currently that will evade you from participating in future inflation except in cryptocurrency (bitcoin) which is a decentralized digital currency that does not operate with the principles of fiat to run its economy system.

It seems that apart from that what is going on in the world as well as the war between Russia and Ukraine also has an influence,
so to re-stabilize it is not something easy and can be done just like that,
what is clear is that it takes time and the government must also be serious in dealing with this if you don't want the condition to get worse

During the time when covid-19 hit the world, cryptocurrency has shown to be a needed hedge fund and if the OP thinks about the benefit he will get in the future through crypto currency I don't see investing 10%-20% of his total monthly income into crypto as something small if he's could discipline himself and never skip a single month.

oil is the basic material for production fuel or distribution fuel, if it is difficult to find, they buy it at a higher price, and this has an impact on the price of the product. for now it's really hard to suppress it because of this kind of situation. and the government can only try to suppress it, except maybe later if new alternative energy is found such as electric cars for example, it will certainly reduce the use of oil

Inflation will continue to occur, even countries with the strongest economic power of the world, the current USA and a few years before are also affected by inflation, this certainly makes us have to think smartly by investing, with investment, we can reduce or even prevent the impact of inflation, of course if we get profit.

Hello everybody!
I have also heard about this. Thanks for such valuable information!

Oil/gas will eventually go away as the main thing to spend. From simple small cars to a huge truck, everything will be based on electricity. However, we need to make sure that we create that energy in a clean way as well. If you burn coal and create energy and then use that for your Tesla, that’s not clean at all, this is not helpful to anyone, it is not better than oil/gas. If you do hydro, solar, wind and such then using that for your electric car could be something awesome for sure.

We are talking about something that is better for the distant future, because we could keep on investing renewable energy but electric cars all in itself by default is not a good thing if you produce bad energy from bad sources.

by investing we will get huge return that can used for our pension plan, for many years if we hold good portofolio i am believe its enough to fill our need we was old. we step a back for awhile, gold price and metal price was not as high like current rate .imagine if we buy it since few several year ago no matter with small o huge balance , our investment maybe enough used to pension.

If everyone receives the same opportunities, that will be possible. But the sad reality right now is that rich people are given lot of opportunities to invest and increase their sources of income, while the poor people tends to become poorer as inflation hits them the most. But i believe if we want to be stable financially, then we should think like rich people and do extra efforts, even if it means going out from our comfort zone.

It's getting there but with a wrong way though. We have been going higher on solar and win for sure, but we are getting higher on hydro and nuclear energy as well, specially the nuclear plants seems to be the riskiest and yet the most profitable one without ever hurting the world until it collapses.

Chernobyl is not a disaster that just happened, it is also a cautionary tale for all the future ones as well, one happened in japan as well if I am not wrong. Long story short, we should be moving to spending electricity instead of fuel, but we should also focus on clean energy that is not dangerous for us as well, since dangerous ones could kill us very quickly.

Of course there is no guarantee when you do not have good assets in your portfolio because price volatility will continue to affect the size of the profits you will get in the long term. There are risks you should consider for each of your investment assets even if they are not cryptocurrencies. You should know how to store your assets safely so that you can benefit from them in the future.

Stop remembering the past because it will not benefit you, especially if it is not used as a good lesson to have an interest in investing. There is definitely an investment interest regardless of what assets you are interested in, but not everyone can do it because they have to fulfill their basic needs first.

I've never heard talk of a pay rise during inflation (especially in my country) and that has escalated financial problems everywhere. But hopefully the government will also think of this as a solution.

Every investment that makes us use real money, there will be risks that we bear. Even investing outside this platform (cryptocurrency) also has risks and every investor should of course be sensitive about that before doing so.

If investment can help us to manage our finances well during inflation then we should really do it carefully and wisely. We should not be greedy regardless of any risk especially during this time crypto volatility can increase at any time.

You save for a long time, say 10 years. Inflation that occurs is very pronounced, as you said the price of goods will be much higher than the nominal you bought first. The only solution to avoid inflation is to invest in crypto, invest not only by making a deposit, without having any knowledge of crypto usage. When we choose crypto as a place to save, then the risk will definitely come. But if we can already use crypto and have skills in long-term and short-term investments, I think this is the best choice.

The most priority is the stability of money in and out. Investment is what we no longer use for now. This means that we have set aside which ones are emergency needs and which ones are needed to pay daily bills. Talking about inflation, we cannot avoid it, when a country's economy is in chaos and consumption materials are getting more expensive, then we must have more money. Some people who keep money in the bank or deposited at home, it may be very pronounced. Because to spend their currency value will be much higher. In my opinion, if we save money that is not used for now, it will be more convenient for us to invest. Because this is to prevent inflation and can also provide benefits for us.

Countries with strong economies have less inflation than other countries. But you are right that in general, the whole world is subject to inflation. This is due to the existing monetary and financial model and therefore, inflation will always be (if don't change the economic model around the world). In principle, there is an alternative and has existed for more than 10 year. I'm talking about BTC. At the moment, humanity has not come up with anything better to fight inflation. So it turns out that investing in BTC will reduce or get rid of inflation.

The best way to deal with inflation is by investing, as we know that with investment we have the opportunity to profit, especially if you put money in crypto which has the opportunity to profit up to hundreds of percent in a year or even less.

Using crypto just so you could make apr of it based on inflation is a good idea, but even when there is no inflation or low inflation, crypto is greater because of the tech behind it. Remember, when there was no inflation, we still managed to do well, in 2017 what was the world going through? Did we have any wars? Any pandemic? Anything bad globally? We didn't have any of that and we still managed to break ATH and reach 20k during that period.

So, with or without any global danger, crypto is still great, with or without high inflation crypto is still great. No matter what happens in the world, good or bad, we should still stick with crypto to make the most out of our money.

Not really, quite a few countries have increased the minimum wage due to the increased inflation. Spain for instance, increased the minimum wage to 1000 euros. Our minimum wage is currently at 663 euros (before tax) and from first of May, it will increase to 713 euros, certainly not lifesaving. However, I'm not sure if that's the ideal approach to battle inflation, since the higher wages could also be passed to increased prices of goods. Is it better than nothing? I guess so, but still, there are plenty of loopholes for employers to bypass the increase and continue giving the same salary.

inflation from investment, it can be said that bitcoin has been very popular from the past, now even whenever, so actually bitcoin is not at all affected by anything, bitcoin will not collapse even though it is hated by any party, even though many investors turn to bitcoin when it happens inflation russia ukraine, and the government is aiming at bitcoin to avoid sanctions, but all of that is not the reason people turn to bitcoin investments, because bitcoin has developed long before this war occurred, people invest in bitcoin because the opportunities they get are very good, safe and reliable.

to solve high inflation in our money, having investment was good choice to save its value. our fiat money will have less value when every goods in daily needs rise alot and it happen today due many factors. keep in bank will not safe its value, use it to buy assets that constantly increase year by year will give alot benefits for us. good money management will allocate for saving, daily  bill, urgent needs and investment. if we could allocate our fund for investment much bigger than other , our money could growth alot in several years later.

Actually, things like this must also be seen from various perspectives.
We know that investing is a pretty good thing but it depends on people's thinking if the choice is crypto because not everyone likes that.
Moreover, Crypto is one type of investment that is quite safe because it still has a lot of risk there.
We should not only think of the advantages in this case but we should also think of the worst there. even though Crypto is something that is quite good but indeed many beginners sometimes feel cheated because talking Crypto is a good thing because indeed they still don't know how crypto works but are lured by something instant with the word Profit which in the end makes these beginners lose and feel cheated

That's why I say anyone interested in investing in crypto should be wise enough and should not be greedy while doing so. This investment has the aim of making a profit, but we should not ignore the risk of loss caused by volatility. So it is clear that as long as the investment is potentially profitable, there is also a risk of loss in it. Most importantly beginners should know that.

The risk of loss due to volatility happens if you sell, if you hold then it is not a problem at all. Remember that crypto is a long term project and it allows people to make profits that they can't make anywhere else in the long run. Look at bitcoin in a few years' spans and it's almost always profitable. This is why I believe that volatility is not an issue for me, I do not care how it goes up and down in the short term, when I look at the 10 years into the future I see it as a great deal, which is an awesome investment reason. Inflation will keep going worse and worse whereas crypto will only go up. Obviously there will be some horrible investments but at the end of the day the top ones will always survive.

If investment was for those who have enough to spare many will not have gotten to where the are. Investment is a game of sacrifice. Depriving one's self of present pleasure to gain a more comfortable lifestyle in future. Inflation is one thing that can't be avoided completely but one can avoid been trapped by the hike in commodity that comes with it. Investing even when not convenient is one way to securing the future. Inflation favours investors

The problem is that at this time there are so many people who invite beginners with the lure of continuous profits, it is quite true if this can be profitable but when it is not accompanied by methods or knowledge then this will indeed be very difficult.

Newbies are sometimes too naive because they still don't understand the ins and outs of crypto and irresponsible people sometimes take advantage of it for their own benefit.

Beginners will indeed be easily tempted by offering continuous benefits because their knowledge is still limited,
advice for beginners is better they need to learn a lot of things and keep improving their knowledge and skills

It's indeed a challenging season for those people who want to invest due to rising rate of inflation each year and sometimes, the speed of increase is even beyond normal which is really alarming to those who want to establish a business, investment and the likes. And even more to the working classes who are just trying to get by. However, like what you said, it shouldn't be a hindrance to let us strive for more. Inflation is normal as long as it's within the usual rate, and even if it will go beyond that range, we should still manage to secure some for the future if we are privileged enough to be able to do it.

Investing in things which are lesser prone to inflation will be the best option to avoid devaluation of assets. So if you can invest in digital assests and in physical assets that are proven to appreciate over time, do yourself a favor and invest in it despite the inflation. That way, you will secure yourself or your family assets that will be helpful to you when things go haywire.

Never think that with our current salary and income will be safe for the future, many unexpected things are especially inflation that always occurs every year and can even reach 2 digits or 2x from economic growth.

Beginner investors do have to be careful with fantastic offers from various marketing which can make money in a fast time. not a few beginners are lulled to become members with evidence of this kind of practice still happening, many of them hang around on twitter as I read earlier they offer an investment of $ 500 with a return of $ 2k within 3 days, of course this is very odd if we understand

It’s a normal thing and most beginners do pass through it. I also experienced such thing (lost a little amount) but it was once. And I would say that my experience helped me to become really smart these days. It kind of changed the way I do things. But, the advice I do give to beginners is that they should make sure that they do their research, and also ask questions from those who have been more experienced than them.

This is really important because if you do your research and ask questions to learn, you would probably learn from the experience of others who have been there before you, and if there is any mistake that they have made in the past, you will be able to avoid making such a mistake because you have learnt from them.

Thank you for all your feedback in this thread, it should be no matter how small your input and opinion can be useful and a good consideration for me and other users to continue to think positively about financial growth during soaring inflation. We can't expect much, but we have to move forward to do something good for the future. So investing is still something important regardless of how well we are able to do it, it shouldn't be too much of a hassle as long as all needs are met but for sure nothing should stay consistent with the percentage when the need for money is greater than the amount of money we can invest.

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