You Are Screwed Either Way
They’ve fucked up the money, and now you’re caught in the middle.
They’ve fucked up the money, and now you’re caught in the middle. Let’s break down why you can’t even save without gambling your future.
What Are Savings, Investments, and the Hurdle Rate?
Savings are supposed to be your safe haven — money you set aside for a rainy day with zero risk attached. It’s not supposed to grow; it’s just there, ready to bail you out when life throws a curveball.
Investment is a whole different beast. It’s money you risk in the hopes of making more. Whether it’s stocks, property, or startups, you’re chasing returns, knowing full well you could lose it all. The bigger the risk, the bigger the potential reward.
The hurdle rate is the minimum return your investment needs to make just to be worth your while. Think of it like the bar you have to clear — if your investment doesn’t earn at least this much, you’ve wasted your time and money.
The Fiat World Has Fucked These Definitions
Here’s the problem: in today’s fiat shitstorm, the lines between savings and investments are blurred. Why? Because you can’t just hoard cash anymore. Inflation eats away at its…
