May 18, 2025
Imagine working all year…
Saving money diligently…
Thinking you’re being responsible.
And STILL losing money and seeing your net worth drop!
That’s what’s happening to most people right now.
In fact, if you’re keeping a large chunk of your money sitting in a bank account, there’s a good chance you’re losing up to 5 to 9% of your wealth almost every year.
Every $100,000 sitting in your bank = approximately $5,000 to $9,000 lost in purchasing power a year.
Most savings accounts earn between 0.01% and 0.5%.
Inflation in recent years?
Between 4% and 9%.
And remember, the real cost of living for your family often rises faster than the government’s reported inflation rate.
That means for money you’ve got sitting at the bank, you’re guaranteed to lose, even if you don’t touch a dime.
I call this “dusty money.”
And the worst part?
Banks are taking your money (while paying you nothing), then lending it out at 6-10% and PROFITING off your hard work.
You’re basically funding their profit center while your wealth slowly evaporates in your bank account.
They’re putting your money to work.
You’re not.
If you want to build real wealth, you can’t leave your money parked and idle.
Your money should be working as hard as you do.
Instead, put your money into assets that, at the very least, can beat inflation.
Things like:
- The stock market
- Real estate
- Private business ownership
- Even crypto
Think of anything with upward growth potential that compounds over time.
You work too hard to let your money sit still.
The real risk isn’t investing, it’s doing nothing.
To your ELEVATED success,
Chad
P.S. If the idea of “dusty money” got you thinking, I went on Startups with Stu… and talked about why I walked away from my 7-figure Wall Street income to start and build Pacific Capital. During our chat, I also shared some counterintuitive truths about building wealth that most financial “experts” won’t tell you.
P.P.S. If you’re an entrepreneur with $25M or more in liquidity and want to make your money work even harder for you–set up a call with my team, and let’s explore new ways to make that happen.
Disclaimer: This content is for information purposes only and does not constitute personal financial advice. Always consult a licensed financial advisor before making any financial decisions. We are not liable for any actions taken based on this content.
