Inflation and investment

[Falconer]

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.

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[aoluain]

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.

[stompix]

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.

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.

Will you continue to invest even if it is only 10%-20% of your total monthly income?

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.

[Upgrade00]

• 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?

• 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.

[Franctoshi]

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.

[crzy]

• 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?

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.

[BITCOIN4X]

• 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?

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).

[Scripture]

• 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?

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.

[Hydrogen]

• 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?

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.

[nur rochid]

• 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?

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).

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

[DanWalker]

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.

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.

[adzino]

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.

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.

[mindrust]

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.

[ivankoh]

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.

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.

[teosanru]

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.

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.

[TheUltraElite]

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.

[TravelMug]

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.

[Falconer]

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 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.

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.

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.

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.

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.

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.

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.

[palle11]

• Will you continue to invest even if it is only 10%-20% of your total monthly income?

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.

• How do you achieve financial stability during this inflation?

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.

[mk4]

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.