Ben Carlson

speaker

1,555 appearances 4 recordings 4 series first heard Apr 2026 last heard 11 Jun

Ben Carlson’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 4 in all, peaking in Jun 2026 with 2.

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The Rational Reminder Podcast · Ben Carlson: Investing at All-Time Highs | #412 · 4 Jun 2026 podcast

You can complain about it and bury your money in the backyard, but good luck with that.

You have to invest it in something if you want to try to keep up with or beat the rate of inflation.

I looked at this through more of a personal finance angle in the book, because I think you can look at what is the best hedge against inflation in the short term, and it might change.

Sometimes it's gold.

Maybe it's going to be Bitcoin at some point.

It didn't happen this time.

I want to own energy stocks or some sort of precious metals or commodities.

And I'm sure those are all pretty decent answers if you wanted to hedge inflation in the short term.

The other side of that is if you hold those assets, maybe when there's not inflation, they don't do as well.

So you have to be kind of open to that.

So I look at it as more from a personal finance perspective.

And I say the three best inflation hedges are just a good job where you can increase your wages over time, which is I think one of the areas a lot of personal finance people don't spend enough time talking about.

Because it's hard to give people blanket advice about how to increase your income.

It's easier to tell people how to save and pay down debt.

I talk about in the book, the two biggest spending categories for people are housing and transportation.

In the US, that makes up, according to the BLS, something like 50% of household budgets.

So I think if you don't have those two spending areas of your life taken care of in some way and have a good handle on those, it's really hard to get ahead and save.

If you overspend on your house and if you overspend on your transportation, it's going to be hard to save in other areas.

And then finally, I think the stock market is still the best long-term inflation hedge.

So over the past 100 years, it's like 6% to 7% over the rate of inflation.

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