I'm in a lot of investing groups/chats/etc. When someone tells me that they are buying $50k in t-bills because they are earning a 5.40% annualized interest rate, I just shake my head. Inflation from currency devaluation is 3X what CPI is, so they're losing capital by investing in any dollar based security. I'll invest in stocks and funds with a proven historical rate of return higher than 15%, but I won't touch anything that is dollar denominated. Why invest in something where the floor is eroding faster than we can build?