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Author: Jing Pan

  • Jim Rogers sold all of his US stock holdings because he’s ‘seen this party’ before — warns Americans to be ‘very careful’ at this rare time in history. Here’s how to shockproof your money

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    Despite its ups and downs, the U.S. stock market has long been a go-to destination for investors, with the benchmark S&P 500 delivering a return of more than 90% over the past five years. Yet investing legend Jim Rogers isn’t feeling optimistic — far from it.

    “I sold all my U.S. stocks recently, because I’ve seen this party before,” he said in a recent interview with Wealthion. “You see a lot of new people talking about how much fun it is, how easy it is … I hope it stays easy to make money for lots of people for the rest of history — [but it] never has.”

    Don’t miss

    Rogers pointed out that more and more investors are becoming “exuberant and confident,” and he believes that kind of sentiment often leads to trouble.

    One problem he highlighted is the sheer size of America’s debt.

    “The U.S. is the largest debtor nation in the history of the world. And I sit and look at the numbers, and I say, can’t they read in Washington? Don’t they know what’s happening?” he said.

    According to Treasury Department data, the U.S. national debt now stands at $36.58 trillion.

    Rogers also warned that this time, even the Federal Reserve “doesn’t have unlimited amounts of money that can save us all,” adding that the central bank “usually makes things worse.”

    His suggestion? Tread carefully.

    “My advice is, be very, very careful wherever you think about investing. This is a rare time in investing history,” he stated.

    If you share these concerns, here’s a look at a few strategies to help protect yourself.

    A classic safe haven

    Rogers finds refuge in precious metals.

    “I own a lot of gold and silver,” he admitted. “I am not a seller of gold and silver. I hope that someday my children have all the gold and silver, because I don’t see any reason for any human being to sell gold and silver in the 21st century.”

    Gold and silver have long been considered popular hedges against inflation. Unlike fiat currency, these metals cannot be printed in unlimited quantities by central banks.

    At the same time, investors often look to these metals amid market volatility and global instability, as their value isn’t tied to any specific country, currency or economy.

    In just the last 12 months, the price of gold has surged by roughly 40%.

    One way to invest in gold that also provides significant tax advantages is to open a gold IRA with the help of Priority Gold.

    Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account, which combines the tax advantages of an IRA with the protective benefits of investing in gold, making it an attractive option for those looking to potentially hedge their retirement funds against economic uncertainties.

    To learn more, you can get a free information guide that includes details on how to get up to $10,000 in free silver on qualifying purchases.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Income, even in a down market

    Like stocks, real estate has its cycles, but it doesn’t rely on a booming market to generate returns.

    Even during a recession, high-quality, essential real estate can continue to produce passive income through rent. In other words, you don’t have to wait for prices to rise to see a payoff — the asset itself can work for you.

    Legendary investor Warren Buffett has often pointed to real estate as a prime example of a productive, income-generating asset.

    In 2022, Buffett stated at an annual shareholders meeting that if you offered him “1% of all the apartment houses in the country” for $25 billion, he would “write you a check.”

    Traditionally, investing in real estate meant buying property and becoming a landlord. But new investing platforms are making it easier than ever to tap into the real estate market.

    For accredited investors, Homeshares gives access to the $35 trillion U.S. home equity market, which has historically been the exclusive playground of institutional investors.

    With a minimum investment of $25,000, investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

    With risk-adjusted target returns ranging from 14% to 17%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

    If you’re not an accredited investor, crowdfunding platforms like Arrived allow you to enter the real estate market for as little as $100.

    You can gain access to shares of SEC-qualified investments in rental homes and vacation rentals, curated and vetted for their appreciation and income potential.

    Backed by world-class investors like Jeff Bezos, Arrived makes it easy to fit these properties into your investment portfolio regardless of your income level. Their flexible investment amounts and simplified process allows accredited and non-accredited investors to take advantage of this inflation-hedging asset class without any extra work on your part.

    What to read next

    Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Even Warren Buffett warned that America’s trade deficit is ‘selling the nation out from under us’ — and proposed a ‘tariff called by another name.’ Here’s why his fix is better than Trump’s

    Even Warren Buffett warned that America’s trade deficit is ‘selling the nation out from under us’ — and proposed a ‘tariff called by another name.’ Here’s why his fix is better than Trump’s

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    President Donald Trump’s sweeping tariffs have sent shockwaves across the globe, as he attempts to rein in the massive trade deficits the U.S. has with other nations.

    While many economists have criticized Trump’s blunt approach — and markets have reacted poorly — the issue he’s targeting is far from trivial. While the president has since gone back and forth on levying the tariffs, legendary investor Warren Buffett has been sounding the alarm on America’s growing trade deficit for decades.

    Don’t miss

    Back in 2003, Buffett wrote a Fortune article with the striking title: “America’s Growing Trade Deficit Is Selling The Nation Out From Under Us. Here’s A Way To Fix The Problem — And We Need To Do It Now.” In it, he issued a stark warning about the long-term risks of persistent trade imbalances.

    A trade deficit occurs when a country imports more than it exports. While that might sound harmless, Buffett warned that over time it leads to something far more serious: a steady transfer of national wealth to foreign hands.

    To drive the point home, he introduced a parable involving two fictional islands: Thriftville, whose industrious citizens produce more than they consume and export the surplus, and Squanderville, whose inhabitants consume more than they produce, financing their excess consumption by issuing IOUs to Thriftville.

    Over time, Thriftville accumulates substantial claims on Squanderville’s future output, leading to a scenario where Squanderville’s citizens must work harder just to repay the debt, effectively becoming economically subservient to Thriftville.

    Buffett took the analogy further, warning that Thriftville’s citizens might lose faith in Squanderville’s IOUs.

    “Just how good, they ask, are the IOUs of a shiftless island?” Buffett wrote.

    “So the Thrifts change strategy: Though they continue to hold some bonds, they sell most of them to Squanderville residents for Squanderbucks and use the proceeds to buy Squanderville land. And eventually the Thrifts own all of Squanderville.”

    Buffett’s central concern was that the U.S. was behaving just like Squanderville — consuming far more than it produced, and becoming increasingly indebted to the rest of the world.

    He warned that, at the trade deficit level at the time, foreign ownership of U.S. assets would “grow at about $500 billion per year.” As that ownership increases, he cautioned, so too will the net investment income flowing out of the country.

    “That will leave us paying ever-increasing dividends and interest to the world rather than being a net receiver of them, as in the past,” he wrote. “We have entered the world of negative compounding — goodbye pleasure, hello pain.”

    That was more than two decades ago. But Buffett’s warning still resonates today. By the end of 2024, the U.S. net international investment position had plunged to -$26.2 trillion — meaning foreign investors now own over $26 trillion more in U.S. assets than Americans own abroad.

    Buffett’s market-based fix: a ‘tariff called by another name’

    Buffett proposed a bold fix: a concept he calls the “Import Certificate” system — a market-based solution to reduce the U.S. trade deficit.

    Here’s how it works:

    Exporters earn certificates — For every dollar an American company earns by exporting goods or services, it receives an Import Certificate of equal value.

    Importers must buy certificates — To bring goods into the U.S., importers must purchase these certificates from exporters.

    This effectively limits total imports to the value of exports, achieving trade balance. It also creates a powerful financial incentive to export, since companies can sell their certificates on the open market to importers.

    How does Buffett’s idea compare to the sweeping tariffs currently being implemented by Trump?

    Buffett himself acknowledged that, “in truth,” his import certificate system is “a tariff called by another name.” But he was quick to note that it avoids the typical pitfalls of traditional tariffs — namely, industry favoritism, geopolitical tension, and the risk of escalating trade wars.

    “This is a tariff that retains most free-market virtues, neither protecting specific industries nor punishing specific countries nor encouraging trade wars,” he wrote. “This plan would increase our exports and might well lead to increased overall world trade. And it would balance our books without there being a significant decline in the value of the dollar, which I believe is otherwise almost certain to occur.”

    In other words, Buffett’s proposal is designed to nudge markets toward equilibrium — not to punish America’s trading partners.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    ‘The best thing to do’ for everyday investors

    While Buffett’s solution was never implemented, it’s clear that investors haven’t responded well to Trump’s version. Markets around the world have tumbled in the wake of his tariff announcements, with the sell-off wiping out trillions of dollars in global equity value.

    And while headlines are dominated by recession fears and rising geopolitical tensions, Buffett has consistently emphasized one unwavering belief — his confidence in America.

    “American business — and consequently a basket of stocks — is virtually certain to be worth far more in the years ahead,” Buffett wrote in his 2016 letter to shareholders.

    That same optimism carried through in his 2022 letter:

    “I have yet to see a time when it made sense to make a long-term bet against America. And I doubt very much that any reader of this letter will have a different experience in the future.”

    When it comes to individual investors, Buffett’s advice is as simple as it is enduring.

    “In my view, for most people, the best thing to do is own the S&P 500 index fund,” he famously stated. This straightforward approach gives investors exposure to 500 of America’s largest companies across various industries, providing diversified exposure without the need for constant monitoring or active trading.

    The beauty of this approach is its accessibility — anyone, regardless of wealth, can take advantage of it. With Wealthfront’s automated investing platform, the power of compound interest works for you. Their sophisticated "set it and forget it" approach means your money is professionally managed and automatically rebalanced, allowing your wealth to grow steadily over time.

    Start investing for the long term with globally diversified portfolios or go for a higher yield than a traditional savings account with an automated bond portfolio.

    Open your account today and receive a $50 bonus to jumpstart your investment journey. Whether you’re saving for retirement, a home, or building generational wealth, Wealthfront’s low-cost, automated investment strategy can help you achieve your financial goals.

    While investing in an index fund is straightforward, some investors may want guidance on building a portfolio tailored to their specific financial goals. That’s where a professional can help.

    With Advisor.com, you can find the best advisor for your needs — both in terms of what they can offer your finances, and what they’ll charge to work for you.

    Advisor.com is a free service that helps you find a financial advisor who can co-create a plan to reach your financial goals. By matching you with a curated list of the best options for you from their database of thousands, you get a pre-screened financial advisor you can trust.

    You can then set up a free, no obligation consultation to see if they’re the right fit for you.

    What to read next

    Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Rick Rule warns the US dollar will ‘lose 75%’ of its buying power in 10 years — reveals 1 shockproof asset he owns because he’s ‘afraid’ it will spike 249%. Is your nest-egg protected?

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    If you go by the official numbers, the inflation spike of 2022 may feel like a thing of the past. But according to legendary investor Rick Rule — former president and CEO of Sprott U.S. Holdings — the U.S. dollar’s erosion in purchasing power is far from over.

    The culprit, he says, is America’s massive and growing debt burden.

    “The net present value of off-balance-sheet liabilities, which is to say Medicare, Medicaid, Social Security, federal pensions, military pensions — the net present value of unfunded federal promises in the United States exceeds $100 trillion,” Rule said in a recent interview with Kitco.

    Don’t miss

    While the official U.S. national debt currently stands at $36.22 trillion, some experts estimate that unfunded liabilities are upwards of $70 trillion, pushing the total past $100 trillion.

    Rule warns that serving that debt will come at a cost to everyday Americans.

    “We will have to allow the purchasing power of the U.S. dollar to decline so that we can honor our nominal debts while not honoring our real debts,” he explained in the interview. “I believe because of this $100 trillion in unfunded entitlement liabilities, that the U.S. dollar will lose 75% of its purchasing power over 10 years.”

    It’s a stark outlook — but not without precedent. Rule pointed to the dollar’s steep decline in the 1970s as an example of how quickly purchasing power can evaporate.

    After all, $100 in 2025 has the same purchasing power as just $12.05 in 1970, according to the Federal Reserve Bank of Minneapolis inflation calculator.

    Rule doesn’t save in dollars — he saves in this asset

    If Rule’s prediction of a 75% drop in the U.S. dollar’s purchasing power over the next decade proves accurate, it could mean serious trouble for anyone holding the greenback. So what does he rely on?

    “I maintain liquidity in things like the U.S. dollar and the Canadian dollar — I save in gold,” he told Kitco.

    Gold has served as a store of value for thousands of years — and for good reason. Unlike fiat currencies, the precious metal can’t be printed at will by central banks, making it a natural hedge against inflation and currency devaluation.

    Over the past 12 months, gold prices have surged by more than 40%. But Rule believes that’s just the beginning, given how much real value the dollar is expected to lose.

    “I believe that over the next 10 years, gold’s appreciation, at least in nominal terms, will mirror the devaluation of the purchasing power of the U.S. dollar,” he said. “I don’t own gold because I hope it’ll go to $3,500, I own gold because I’m afraid it’ll go to $12,000.”

    Considering where gold is trading today, $12,000 would represent a potential upside of roughly 250%.

    Rule isn’t alone in turning to gold as a safeguard. Ray Dalio, founder of Bridgewater Associates — the world’s largest hedge fund — also sees it as a key component of a resilient portfolio.

    “People don’t have, typically, an adequate amount of gold in their portfolio,” he told CNBC earlier this year. “When bad times come, gold is a very effective diversifier.”

    A gold IRA is one option for building up your retirement fund with an inflation-hedging asset.

    One way to invest in gold that also provides significant tax advantages is to open a gold IRA with the help of Priority Gold.

    Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account, which combines the tax advantages of an IRA with the protective benefits of investing in gold, making it an attractive option for those looking to potentially hedge their retirement funds against economic uncertainties.

    To learn more, you can get a free information guide that includes details on how to get up to $10,000 in free silver on qualifying purchases.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    A time-tested income play

    Gold isn’t the only asset investors turn to during inflationary times. Real estate has also proven to be a powerful hedge.

    When inflation rises, property values often increase as well, reflecting the higher costs of materials, labor and land. At the same time, rental income tends to go up, providing landlords with a revenue stream that adjusts for inflation.

    Over the past five years, the S&P CoreLogic Case-Shiller U.S. National Home Price NSA Index has jumped by more than 50%, reflecting strong demand and limited housing supply.

    One way to invest in real estate is by purchasing rental properties and becoming a landlord. But for the average American who wants to avoid the need for a hefty down payment or the burden of property management, crowdfunding platforms like Arrived make it easier to slice yourself up a piece of that pie.

    Backed by world class investors like Jeff Bezos, Arrived allows you to invest in shares of rental homes with as little as $100, all without the hassle of mowing lawns, fixing leaky faucets or handling difficult tenants.

    The process is simple: Browse a curated selection of homes that have been vetted for their appreciation and income potential. Once you find a property you like, select the number of shares you’d like to purchase, and then sit back as you start receiving positive rental income distributions from your investment.

    Another option is Homeshares, which gives accredited investors access to the $35 trillion U.S. home equity market — a space that’s historically been the exclusive playground of institutional investors.

    With a minimum investment of $25,000, investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

    With risk-adjusted target returns ranging from 14% to 17%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

    What to read next

    Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Peter Schiff says gold hit a ‘monumental moment’ after soaring to US$3,000/ounce — claims now is the ‘perfect time’ to buy despite ‘media silence.’ Are you prepped for more shocks ahead?

    Peter Schiff says gold hit a ‘monumental moment’ after soaring to US$3,000/ounce — claims now is the ‘perfect time’ to buy despite ‘media silence.’ Are you prepped for more shocks ahead?

    Investors may be feeling uneasy as stocks struggle amid ongoing trade tensions and tariffs. But according to economist Peter Schiff, one asset is standing out amid the uncertainty: gold.

    “Today marks a monumental moment in gold history as the spot price closes above [US]$3,000 an ounce. Despite the media’s silence, this development is significant,” Schiff wrote on Instagram on March 17. As of now, the price of gold per ounce in Canada hover around CA$4,600.

    Despite gold’s 40% surge over the past year, Schiff believes the rally is just getting started.

    “While central banks stockpile gold, retail investors have a unique opportunity to capitalize. With gold expected to rise to [US]$4,000 and beyond, now is the perfect time to invest,” he wrote.

    In 2024, central banks added 1,045 tonnes to global reserves, marking the third consecutive year of net purchases exceeding 1,000 tonnes, according to the World Gold Council.

    For Schiff, central bank buying isn’t just about portfolio diversification — it’s a warning sign.

    ‘Dumping dollars to buy gold’

    Many investors turn to gold as a hedge against inflation, since, unlike fiat currencies, it can’t be printed at will by central banks.

    Schiff argues that central banks’ growing appetite for gold signals something deeper.

    “Investors haven’t even woken up to what central banks are doing, but the central bankers are the insiders of the fiat monetary system,” he said. “The insiders in the fiat monetary system have been dumping their dollars to buy gold. They obviously know something, and the public hasn’t caught on yet.”

    So, what do they know that retail investors don’t?

    Schiff believes it’s simple: inflation isn’t going away.

    “Investors haven’t woken up to the reality of high inflation," he stated. “Inflation isn’t going anywhere near that. In fact, it’s already bottomed out and is headed much higher — none of that has really been priced into gold yet.”

    So, just how high can gold prices go?

    “If gold can go from $20 an ounce to $2,600 an ounce, it can go from $2,600 to $26,000, or even to $100,000. There’s no limit because, again, gold isn’t changing — it’s the value of the dollar that’s decreasing,” he said in October 2024.

    1 income-producing alternative

    Gold has long been a go-to hedge against inflation. But it’s not the only option. Real estate has also served as a reliable store of value, with the added benefit of generating income.

    When inflation rises, property values often increase in tandem, reflecting the higher costs of materials, labour and land. At the same time, rental income tends to climb, providing landlords with a revenue stream that adjusts for inflation.

    However, for some, owning property may not be financially viable, which is where Real Estate Investment Trusts (REITs) come in.

    REITs offer regular dividend income, diversification and exposure to different real estate sectors. In Canada, REITs trade on the Toronto Stock Exchange (TSX), making them easy to buy and sell like stocks. They’re required to distribute most of their taxable income to shareholders as dividends, making them attractive for income-focused investors.

    There are nine types of REITs that are available to interested Canadian investors, which include:

    1. Equity
    2. Residential
    3. Retail
    4. Industrial
    5. Office
    6. Healthcare
    7. Hospitality
    8. Mortgage
    9. Private

    However, REITs can be sensitive to market cycles, interest rates and economic conditions. Before investing, consider your financial goals and risk tolerance.

    Sources

    1. Gold Broker: Gold Price in Canadian Dollar – Canada

    2. World Gold Council: Gold Demand Trends: Full Year 2024 (Feb 5, 2025)

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Ray Dalio warns Americans the current chaos is much bigger than tariffs — claims the era of US dominance is over and sees ‘big disruptive’ shifts ahead. 2 simple ways to protect yourself

    Ray Dalio warns Americans the current chaos is much bigger than tariffs — claims the era of US dominance is over and sees ‘big disruptive’ shifts ahead. 2 simple ways to protect yourself

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    Waves of tariffs from President Donald Trump — despite a temporary pause on many — has unleashed chaos across global markets, reigniting trade tensions and rattling investors. But billionaire hedge fund manager Ray Dalio says the real storm is still to come.

    On April 7, in a lengthy social media post, Dalio argued that the recent tariff drama is merely a symptom of deeper, structural problems.

    “We are seeing a classic breakdown of the major monetary, political, and geopolitical orders,” he wrote.

    Dalio outlined five forces he described as reshaping the global landscape.

    Don’t miss

    1. The global monetary order

    Dalio said the global economic order is breaking down due to unsustainable debt and deep imbalances between debtor nations like the U.S. and creditor nations like China. As these imbalances unwind, Dalio warned the current monetary order will be forced to change in “big disruptive ways”, with major consequences for capital markets and the broader economy.

    2. The political order

    Dalio sees the political order of democracies breaking down under the weight of what he calls “huge gaps” in people’s education, income and opportunity levels, as well as values. He said history shows this kind of environment often gives rise to “strong autocratic leaders” — especially when paired with economic and market turmoil.

    3. The global power structure

    Dalio was blunt on this point: “The international geopolitical world order is breaking down because the era of one dominant power (the U.S.) that dictates the order that other countries follow is over.” He argued it’s being replaced by a “unilateral, power-rules” approach. While the U.S. remains the most powerful nation, Dalio said it is now operating under a more self-interested, “America First” framework.

    4, 5. Nature and technology

    Dalio added that “acts of nature” — such as floods and pandemics — are becoming more disruptive, while rapid advances in technology — such as artificial intelligence — are impacting “all aspects of life, including the money/debt/economic order, the political order, the international order, and the costs of acts of nature.”

    Beyond the tariffs

    Dalio didn’t offer specific investment advice in his post. But in a February interview with CNBC, he noted the importance of diversification — and pointed to the role of one time-tested asset.

    “People don’t have, typically, an adequate amount of gold in their portfolio,” he said. “When bad times come, gold is a very effective diversifier.”

    Gold is considered a go-to safe haven. It can’t be printed out of thin air like fiat money, and because it’s not tied to any single currency or economy, investors flock to it during periods of economic turmoil or geopolitical uncertainty, driving up its value. Over the past 12 months, gold prices have surged by around 35%.

    A gold IRA is one option for building up your retirement fund with an inflation-hedging asset.

    One way to invest in gold that also provides significant tax advantages is to open a gold IRA with the help of Priority Gold.

    Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account, which combines the tax advantages of an IRA with the protective benefits of investing in gold, making it an attractive option for those looking to potentially hedge their retirement funds against economic uncertainties.

    To learn more, you can get a free information guide that includes details on how to get up to $10,000 in free silver on qualifying purchases.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    A tangible hedge with passive income

    Many experts — including Federal Reserve Chair Jerome Powell and JPMorgan CEO Jamie Dimon — have warned that Trump’s tariffs could trigger a significant rise in inflation.

    While gold remains a classic hedge, real estate offers a time-tested alternative — with the added benefit of generating passive income.

    When inflation rises, property values often increase as well, reflecting the higher cost of materials, labor and land. At the same time, rising living expenses tend to push rents higher, helping landlords offset the erosion of purchasing power.

    Traditionally, investing in real estate meant buying property outright and becoming a landlord. New investing platforms are making it easier than ever to tap into the real estate market.

    One way to invest in real estate is by purchasing rental properties and becoming a landlord. But for the average American who wants to avoid the need for a hefty down payment or the burden of property management, crowdfunding platforms like Arrived make it easier to slice yourself up a piece of that pie.

    Backed by world class investors like Jeff Bezos, Arrived allows you to invest in shares of rental homes with as little as $100, all without the hassle of mowing lawns, fixing leaky faucets or handling difficult tenants.

    The process is simple: Browse a curated selection of homes that have been vetted for their appreciation and income potential. Once you find a property you like, select the number of shares you’d like to purchase, and then sit back as you start receiving any positive rental income distributions from your investment.

    For accredited investors, Homeshares gives access to the $36 trillion U.S. home equity market, which has historically been the exclusive playground of institutional investors.

    With a minimum investment of $25,000, investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

    With risk-adjusted internal returns ranging from 12% to 18%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

    Another option is First National Realty Partners (FNRP), which allows accredited investors to diversify their portfolio through grocery-anchored commercial properties without taking on the responsibilities of being a landlord.

    With a minimum investment of $50,000, investors can own a share of properties leased by national brands like Whole Foods, Kroger and Walmart, which provide essential goods to their communities. Thanks to Triple Net (NNN) leases, accredited investors are able to invest in these properties without worrying about tenant costs cutting into their potential returns.

    Simply answer a few questions — including how much you would like to invest — to start browsing their full list of available properties.

    Consult a professional

    Navigating today’s financial landscape can feel overwhelming. With markets swinging wildly and expert opinions often clashing, it’s difficult to know where to put your money. If you’re finding it difficult to make sense of the noise, now could be the right time to get in touch with a financial advisor.

    With Advisor.com, you can find the right financial professional to help you fulfill your wealth goals. It’s a free service that helps you find the right financial advisor for you,by matching you with a small list of the best options for you to choose from.

    Set up a free, no-obligation consultation with one of their pre-screened financial advisors today.

    What to read next

    Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Owner of 175-year-old farm left in ‘shock’ as New Jersey town tries to seize the land for affordable housing — and now the USDA chief is involved. Who do you side with?

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    Andy Henry and his brother Christopher own a 21-acre farm in Cranbury, New Jersey — land their maternal great-grandfather purchased in 1850. But after 175 years of family ownership, their legacy is now under threat as the local government tries to seize the property for an affordable housing project.

    "We got a letter on April 24 informing us of this unfortunate decision that [Cranbury officials] wanted to take the entire 21 acres," Henry told Fox & Friends.

    Henry described the notice as “a shock.” The family pushed back, but the town hasn’t backed down.

    Don’t miss

    “Now they’re saying, ‘Well, actually, we’ll just take half of it and leave you the house.’ That would leave us with a non-viable farm for at least 40 cows and many sheep,” he said.

    Cranbury Township is seeking to seize the Henry family farm through eminent domain to make way for a developer to build state-mandated affordable housing, NJ.com reported. Eminent domain refers to the government’s power to take private property for public use — with compensation but without the owner’s consent.

    The situation has drawn the attention of U.S. Secretary of Agriculture Brooke Rollins.

    In a post on X, Rollins said she had spoken with Henry and pledged to support the family in their legal battle.

    “Whether the Maudes, the Henrys or others whom we will soon announce, the Biden-style government takeover of our family farms is over,” Rollins wrote.

    “While this particular case is a city eminent domain issue, we @usda are exploring every legal option to help.”

    Affordability vs. opportunity

    As home prices and rents continue to climb — and local governments scramble to meet state housing mandates — tensions are mounting between development goals and property rights. The Henry family’s fight in New Jersey is just one example of a broader issue playing out nationwide: America’s deepening affordable housing crisis.

    Many experts point to a fundamental lack of supply.

    Federal Reserve Chair Jerome Powell emphasized this at a press conference last year, stating, “The real issue with housing is that we have had and are on track to continue to have, not enough housing.” He highlighted the difficulty of finding and zoning land in desirable areas, asking, “Where are we going to get the supply?”

    A recent Realtor.com analysis indicates a shortfall of 3.8 million homes in America’s housing supply.

    Yet despite elevated prices, real estate remains one of the most sought-after assets — and for good reason. It’s a tangible, income-generating investment that has historically performed well during periods of inflation.

    When inflation rises, property values often increase as well, reflecting the higher costs of materials, labor and land. At the same time, rental income tends to go up, providing landlords with a revenue stream that adjusts with inflation.

    And while owning a home may feel increasingly out of reach, investing in real estate doesn’t have to be. Crowdfunding platforms like Arrived have made it easier than ever for everyday investors to access the market.

    Backed by world class investors like Jeff Bezos, Arrived allows you to invest in shares of rental homes with as little as $100, all without the hassle of mowing lawns, fixing leaky faucets or handling difficult tenants.

    The process is simple: Browse a curated selection of homes that have been vetted for their appreciation and income potential. Once you find a property you like, select the number of shares you’d like to purchase, and then sit back as you start receiving positive rental income distributions from your investment.

    Another option is First National Realty Partners (FNRP), which allows accredited investors to diversify their portfolio through grocery-anchored commercial properties without taking on the responsibilities of being a landlord.

    With a minimum investment of $50,000, investors can own a share of properties leased by national brands like Whole Foods, Kroger and Walmart, which provide essential goods to their communities. Thanks to Triple Net (NNN) leases, accredited investors are able to invest in these properties without worrying about tenant costs cutting into their potential returns.

    Simply answer a few questions — including how much you would like to invest — to start browsing their full list of available properties.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    A vanishing asset

    Henry said his farm is now surrounded by warehouses, and that his family has been “turning down developers for years.”

    That’s no coincidence. Farmland in the U.S. has been steadily disappearing as urban sprawl swallows up agricultural land for commercial, residential and industrial use. In 1997, there were 955 million acres of agricultural land in America. By 2024, that number had dropped to 876 million — a loss of 79 million acres.

    Savvy investors have taken note. After all, no matter what happens in the economy, people still need to eat.

    According to the USDA, U.S. farmland values have steadily climbed over the past few decades, driven by increasing demand for food and limited supply of arable land.

    These days, you don’t need to buy an entire farm — or know how to grow crops — to get in on the opportunity.

    FarmTogether is an all-in-one investment platform that lets qualified investors buy stakes in U.S. farmland. The platform identifies high-potential agricultural properties and then partners with experienced local operators to manage the land effectively.

    Depending on the type of stake you want, you can get a cut from both the leasing fees and crop sales, providing you with cash income. Then, years down the line after the farm rises in value, you can benefit from the land appreciating and profit from its sale.

    What to read next

    Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • NYC billionaire Charles Cohen is being sued over a bad $535M loan — now he faces confiscation of wines, superyacht and mansions, report says. How to build real wealth without drowning in debt

    NYC billionaire Charles Cohen is being sued over a bad $535M loan — now he faces confiscation of wines, superyacht and mansions, report says. How to build real wealth without drowning in debt

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    New York City real estate tycoon Charles Cohen has lived a life most people only dream of — complete with exotic cars, lavish mansions and fancy yachts. Now, some of his prized possessions are under threat as a massive business loan gone bad starts to have very personal consequences.

    Cohen, 73, is being sued by Fortress Investment Group over a $535 million loan extended in 2022 to his firm, Cohen Realty Enterprises. The collateral included a Manhattan office tower, the Le Meridien Dania Beach hotel in Fort Lauderdale, Florida, and four other properties, according to The Wall Street Journal, citing records from New York State’s Supreme Court.

    But that’s not all: Cohen personally guaranteed $187.2 million of that loan. His net worth is nearly $2 billion, according to a financial statement filed with the court.

    His business defaulted last year, and Fortress has since seized much of the collateral. Still, the firm claims those assets fall far short of what Cohen owes, reports The Journal. That shortfall has led Fortress — an investment giant partially owned by Abu Dhabi’s Mubadala Capital — to go after Cohen’s personal wealth.

    And that’s exactly what it’s doing.

    Fortress is seeking to confiscate Cohen’s homes in Provence, France, and Greenwich, Connecticut, reports The Journal, along with his fleet of 25 luxury cars and five yachts — including a 220-foot superyacht that’s presently docked at an Italian port under court order.

    Don’t miss

    Following a French court order, debt collectors have already seized hundreds of thousands of dollars’ worth of Cohen’s belongings from his 138-acre estate and vineyard in Provence, according to The Journal. The haul apparently included high-end furniture, valuable artworks and a fine wine collection.

    “They keep pecking at us, like a bird would peck at something,” Cohen said of Fortress in a February deposition, per The Journal. “Enough was never enough.”

    A blunt reality check

    Real estate has long been one of the most powerful tools for building wealth — and for good reason. It has the potential to generate steady rental income, appreciate over time and offer valuable tax advantages.

    But as Cohen’s case shows, that success isn’t guaranteed — especially when there’s large amounts of debt involved.

    Leverage is a common part of real estate investing, even for everyday investors. With home prices sky-high, most people need to take out a mortgage to buy an income property. And with interest rates elevated, borrowing has become more expensive — assuming you can even save enough for a down payment.

    The good news? You no longer need to take on traditional debt to get started in real estate.

    Becoming a real estate mogul — starting with $100

    Crowdfunding platforms like Arrived have made it easier than ever for everyday investors to gain exposure to America’s real estate market.

    Backed by world class investors like Jeff Bezos, Arrived allows you to invest in shares of rental homes with as little as $100, all without the hassle of mowing lawns, fixing leaky faucets or handling difficult tenants.

    The process is simple: browse a curated selection of homes that have been vetted for their appreciation and income potential. Once you find a property you like, select the number of shares you’d like to purchase, and then sit back as you start receiving any positive rental income distributions from your investment.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    A $35-trillion opportunity

    Rising home prices have helped Americans build substantial wealth through homeownership — but for years, the $35-trillion U.S. home equity market was an exclusive playground for big institutions.

    Homeshares is changing the game by allowing accredited investors to gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning, or managing property.

    With risk-adjusted target returns ranging from 14% to 17%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

    Be the landlord of Walmart

    If you’ve ever been a landlord, you know how important it is to have reliable tenants.

    How do grocery stores sound?

    That’s where First National Realty Partners (FNRP) comes in. The platform allows accredited investors to diversify their portfolio through grocery-anchored commercial properties without taking on the responsibilities of being a landlord.

    With a minimum investment of $50,000, investors can own a share of properties leased by national brands like Whole Foods, Kroger and Walmart, which provide essential goods to their communities. Thanks to Triple Net (NNN) leases, accredited investors are able to invest in these properties without worrying about tenant costs cutting into their potential returns.

    Simply answer a few questions — including how much you would like to invest — to start browsing their full list of available properties.

    What to read next

    Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Ray Dalio just raised a red flag for Americans who ‘care’ about their money — warns US debt is riskier than credit agencies admit. Here’s the big problem and how to protect yourself

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    Ray Dalio, founder of the world’s largest hedge fund, Bridgewater Associates, has a stark warning for Americans.

    “For those who care about the value of their money, the risks for U.S. government debt are greater than the rating agencies are conveying,” he wrote in an alarming post on X in May.

    Don’t miss

    Dalio was referring to the recent downgrade of the U.S. sovereign credit rating by Moody’s, following similar moves by S&P Global in 2011 and Fitch in 2023.

    While these downgrades have made headlines, Dalio cautions that the real threat runs deeper than the government’s ability to repay its debt obligations.

    “[Regarding] the U.S. debt downgrade, you should know that credit ratings understate credit risks because they only rate the risk of the government not paying its debt,” he explained. “They don’t include the greater risk that the countries in debt will print money to pay their debts thus causing holders of the bonds to suffer losses from the decreased value of the money they’re getting (rather than from the decreased quantity of money they’re getting).”

    Simply put, if the government resorts to printing more dollars, the currency itself loses real value — something Americans have experienced firsthand.

    The U.S. Dollar Index fell 10.8% in the first half of 2025 — marking its worst performance since 1973, when Richard Nixon was president. Meanwhile, inflation has steadily chipped away at the dollar’s purchasing power. According to the Federal Reserve Bank of Minneapolis inflation calculator, $100 in 2025 buys what just $12.56 could in 1971 — the year the U.S. moved off the gold standard.

    If you share Dalio’s concerns and care about protecting the value of your money, here’s a look at a few ways to hedge against these risks.

    A safe haven shines again

    Gold has helped people preserve their wealth for thousands of years. Today, its appeal is simple: Unlike fiat currencies, the yellow metal can’t be printed at will by central banks or governments.

    It’s also widely regarded as the ultimate safe haven. Gold is not tied to any one country, currency or economy, and in times of economic turmoil or geopolitical uncertainty, investors often flock to it — driving prices higher.

    Dalio has repeatedly emphasized gold’s importance in a resilient portfolio.

    “People don’t have, typically, an adequate amount of gold in their portfolio,” he told CNBC earlier this year. “When bad times come, gold is a very effective diversifier.”

    Over the past 12 months, the price of the precious metal has surged by roughly 40%.

    One way to invest in gold that also provides significant tax advantages is to open a gold IRA with the help of Priority Gold.

    Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account, which combines the tax advantages of an IRA with the protective benefits of investing in gold, making it an attractive option for those looking to potentially hedge their retirement funds against economic uncertainties.

    To learn more, you can get a free information guide that includes details on how to get up to $10,000 in free silver on qualifying purchases.

    A time-tested income play

    Gold isn’t the only asset investors rely on to preserve their purchasing power. Real estate has also proven to be a powerful hedge.

    When inflation rises, property values often increase as well, reflecting the higher costs of materials, labor and land. At the same time, rental income tends to go up, providing landlords with a revenue stream that adjusts for inflation.

    Over the past five years, the S&P CoreLogic Case-Shiller U.S. National Home Price NSA Index has jumped by more than 50%, reflecting strong demand and limited housing supply.

    Of course, high home prices can make buying a home more challenging, especially with mortgage rates still elevated. And being a landlord isn’t exactly hands-off work — managing tenants, maintenance and repairs can quickly eat into your time (and returns).

    The good news? You don’t need to buy a property outright — or deal with leaky faucets — to invest in real estate today. Crowdfunding platforms like Arrived offer an easier way to get exposure to this income-generating asset class.

    Backed by world class investors like Jeff Bezos, Arrived allows you to invest in shares of rental homes with as little as $100, all without the hassle of mowing lawns, fixing leaky faucets or handling difficult tenants.

    The process is simple: Browse a curated selection of homes that have been vetted for their appreciation and income potential. Once you find a property you like, select the number of shares you’d like to purchase, and then sit back as you start receiving positive rental income distributions from your investment.

    Another option is Homeshares, which gives accredited investors access to the $35 trillion U.S. home equity market — a space that’s historically been the exclusive playground of institutional investors.

    With a minimum investment of $25,000, investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

    With risk-adjusted target returns ranging from 14% to 17%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    A finer alternative

    It’s easy to see why great works of art tend to appreciate over time. Supply is limited and many famous pieces have already been snatched up by museums and collectors. Art also has a low correlation with stocks and bonds, which helps with diversification.

    In 2022, a collection of art owned by the late Microsoft co-founder Paul Allen sold for $1.5 billion at Christie’s New York, making it the most valuable collection in auction history.

    Investing in art was traditionally a privilege reserved for the ultra-wealthy.

    Now, that’s changed with Masterworks — a platform for investing in shares of blue-chip artwork by renowned artists, including Pablo Picasso, Jean-Michel Basquiat and Banksy. It’s easy to use, and with 23 successful exits to date, every one of them has been profitable thus far.

    Simply browse their impressive portfolio of paintings and choose how many shares you’d like to buy. Masterworks will handle all the details, making high-end art investments both accessible and effortless.

    In total, the platform has distributed roughly $61 million back to investors. New offerings have sold out in minutes, but you can skip their waitlist here.

    At the end of the day, everyone’s financial situation is different — from income levels and investment goals to debt obligations and risk tolerance. If you’re unsure where to start, it might be the right time to get in touch with a financial advisor through Advisor.com.

    Advisor.com is an online platform that matches you with vetted financial advisors suited to your unique needs. They can help tailor a strategy to your unique financial situation, whether you’re looking to grow wealth, diversify beyond stocks or plan for long-term financial security.

    Once you’re matched with an advisor, you can book a free consultation with no obligation to hire.

    What to read next

    Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Warren Buffett says this 1 US asset class offers ‘so much more opportunity’ than real estate — and a young Charlie Munger would’ve picked it ‘in a second’ over property. Do you own enough?

    Warren Buffett says this 1 US asset class offers ‘so much more opportunity’ than real estate — and a young Charlie Munger would’ve picked it ‘in a second’ over property. Do you own enough?

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    Real estate has long been a go-to asset for building wealth in America, offering income through rent and potential gains through appreciation. But according to investing legend Warren Buffett, there’s one asset class he — and his late business partner Charlie Munger — would take over property any day.

    “There’s just so much more opportunity — at least in the United States — that presents itself in the security market than it does in real estate,” Buffett said at Berkshire Hathaway’s latest annual shareholders meeting, when asked why he isn’t buying more real estate.

    Buffett pointed to the complexity and sluggishness of real estate deals compared to the ease and speed of stock transactions.

    Don’t miss

    “In respect to real estate, it’s so much harder than stocks in terms of negotiation of deals, time spent, the involvement of multiple parties in the ownership,” he said. “Usually when real estate gets in trouble, you find out you’re dealing with more than an equity holder.”

    While Munger, who served as Berkshire’s vice chairman until his death in 2023, “enjoyed” real estate and did “a fair number” of deals in his final years, Buffett believes Munger’s true allegiance was always clear.

    “I think if you’d asked him to make a choice when he was 21, that he’d either be in stocks exclusively the rest of his life or real estate the rest of his life, he would have chosen stocks in a second,” Buffett said.

    For Buffett, the simplicity of stock investing is hard to beat. He noted that you can walk down to the New York Stock Exchange and “do billions of dollars worth of business totally anonymously,” all within five minutes.

    Real estate, by contrast, is a slow grind. “[The negotiation] just begins when you agree on deals — and then they take forever,” he said.

    At his age, and with his own retirement slated for the end of 2025, Buffett’s takeaway is clear: “For a guy at 94, it’s not the most interesting thing to get involved in something where the negotiations could take years.”

    How to invest like Buffett

    Buffett has built his legacy on seizing opportunities in the stock market. Under his leadership, Berkshire Hathaway has delivered enormous returns to shareholders over the decades.

    And while the Oracle of Omaha plans to step down as CEO later this year, everyday investors can still follow one timeless strategy he champions — no stock-picking skills required.

    “In my view, for most people, the best thing to do is own the S&P 500 index fund,” Buffett famously said.

    This approach gives investors exposure to 500 of America’s largest companies across a wide range of industries, providing instant diversification without the need for constant monitoring or active management.

    Buffett’s belief in this strategy runs so deep, he’s built it into his own estate plan — directing that 90% of his wife’s inheritance be invested in “a very low-cost S&P 500 index fund” after his passing.

    With Wealthfront’s automated investing platform, the power of compound interest works for you. Their sophisticated "set it and forget it" approach means your money is professionally managed and automatically rebalanced, allowing your wealth to grow steadily over time.

    Start investing for the long term with globally diversified portfolios or go for a higher yield than a traditional savings account with an automated bond portfolio.

    Open your account today and receive a $50 bonus to jumpstart your investment journey. Whether you’re saving for retirement, a home, or building generational wealth, Wealthfront’s low-cost, automated investment strategy can help you achieve your financial goals.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    How to invest in real estate without the headaches

    While Buffett doesn’t mince words about the complexities of real estate, he still points to it as a prime example of a productive, income-generating asset.

    In 2022, Buffett stated that if you offered him “1% of all the apartment houses in the country” for $25 billion, he would “write you a check.”

    Why? Regardless of what’s happening in the broader economy, people still need a place to live. And with an estimated shortage of 4.5 million homes in the U.S., the demand for rental housing remains strong, helping keep occupancy rates high and rental income flowing.

    But Buffett’s caution about how real estate transactions still holds true — even at the individual level. In the U.S., it typically takes 30 to 60 days to close on a home after an offer is accepted. Conditions, clauses and financing delays can drag the process out even further.

    The good news? These days, you don’t need to buy an entire property — or hunt for deals yourself — to start investing in real estate.

    For accredited investors, Homeshares gives access to the $36 trillion U.S. home equity market, which has historically been the exclusive playground of institutional investors.

    With a minimum investment of $25,000, investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

    With risk-adjusted target returns ranging from 14% to 17%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

    If you’re not an accredited investor, crowdfunding platforms like Arrived allow you to enter the real estate market for as little as $100.

    Arrived offers you access to shares of SEC-qualified investments in rental homes and vacation rentals, curated and vetted for their appreciation and income potential.

    Backed by world-class investors like Jeff Bezos, Arrived makes it easy to fit these properties into your investment portfolio regardless of your income level. Their flexible investment amounts and simplified process allow accredited and non-accredited investors to take advantage of this inflation-hedging asset class without any extra work on your part.

    What to read next

    Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • The CEO of Omaha Steaks just warned of a ‘tricky issue’ in America’s beef market — predicts ‘upward pressure’ on prices that tariffs can’t fix. Is it time to eat more fish and turkey?

    The CEO of Omaha Steaks just warned of a ‘tricky issue’ in America’s beef market — predicts ‘upward pressure’ on prices that tariffs can’t fix. Is it time to eat more fish and turkey?

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    As summer grilling season kicks off, Americans may be in for a costly surprise at the meat counter.

    Beef prices are climbing — and the latest government data confirms it. According to the Consumer Price Index from the Bureau of Labor Statistics, U.S. beef and veal prices have jumped 8.6% over the past year. Ground beef surged 9.9%, beef roasts rose 9.5% and beef steaks were up 6.3%.

    Omaha Steaks President and CEO Nate Rempe says the problem boils down to supply.

    Don’t miss

    “The number of head of cattle in the United States is at a low, really not seen since the 1950s. In fact, it’s wild,” Rempe recently told Fox Business.

    As of Jan. 1, 2025, there were 86.7 million head of cattle and calves on U.S. farms, according to the Department of Agriculture — the lowest count since 1951.

    With domestic beef demand still strong, Rempe warned that tight supply is “putting a lot of upward pressure” on prices — and it won’t be resolved overnight.

    “Supply is a tricky issue. You can’t just flip a switch [or] adjust a tariff. We need to rebuild the herd, and that’s going to happen over the next roughly 12 months. My guess is by Q3 [20]26 we’ll kind of start to come out of this,” he said in the interview with Fox.

    Beef isn’t the only grocery item getting more expensive. The food index from the CPI has surged 26% over the past five years, and the USDA expects food prices to rise another 2.9% in 2025.

    To be sure, headline inflation has cooled from its 40-year high of 9.1% in June 2022. But the cost of essentials like food and housing remains persistently high.

    Fortunately, history has shown that savvy investors and consumers can take steps to protect themselves from inflation’s impact.

    Real estate

    When inflation rises, property values often increase as well, reflecting the higher costs of materials, labor and land. At the same time, rental income tends to go up, providing landlords with a revenue stream that adjusts for inflation.

    This combination makes real estate an attractive option for preserving and growing wealth when the U.S. dollar is losing its value.

    Over the last five years, the S&P CoreLogic Case-Shiller U.S. National Home Price NSA Index has surged by more than 50%.

    Of course, high home prices can make buying a home more challenging, especially with mortgage rates still elevated. And being a landlord isn’t exactly hands-off work. Managing tenants, maintenance and repairs can quickly eat into your time (and returns). The good news? You don’t need to buy a property outright — or deal with leaky faucets — to invest in real estate today.

    For accredited investors, Homeshares gives access to the $35 trillion U.S. home equity market, which has historically been the exclusive playground of institutional investors.

    With a minimum investment of $25,000, investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

    With risk-adjusted target returns ranging from 14% to 17%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

    If you’re not an accredited investor, crowdfunding platforms like Arrived allow you to enter the real estate market for as little as $100.

    Arrived offers you access to shares of SEC-qualified investments in rental homes and vacation rentals, curated and vetted for their appreciation and income potential.

    Backed by world-class investors like Jeff Bezos, Arrived makes it easy to fit these properties into your investment portfolio regardless of your income level. Their flexible investment amounts and simplified process allows accredited and non-accredited investors to take advantage of this inflation-hedging asset class without any extra work on your part.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Gold

    Gold has helped preserve wealth for thousands of years — and it remains just as relevant today, especially in the face of modern inflation.

    One key reason? Unlike fiat currency, gold can’t be created out of thin air by central banks.

    It’s also long been viewed as a classic safe haven. Gold isn’t tied to any one country, currency or economy, and in times of economic turmoil or geopolitical uncertainty, investors often flock to it — driving prices higher.

    Over the past 12 months, the price of the precious metal has surged by more than 40%.

    Ray Dalio, founder of the world’s largest hedge fund, Bridgewater Associates, recently highlighted gold’s importance as part of a resilient portfolio.

    “People don’t have, typically, an adequate amount of gold in their portfolio,” he told CNBC in February. “When bad times come, gold is a very effective diversifier.”

    Priority Gold is an industry leader in precious metals, offering physical delivery of gold and silver. Plus, they have an A+ rating from the Better Business Bureau and a 5-star rating from Trust Link.

    If you’d like to convert an existing IRA into a gold IRA, Priority Gold offers 100% free rollover, as well as free shipping, and free storage for up to five years. Qualifying purchases will also receive up to $10,000 in free silver.

    To learn more about how Priority Gold can help you reduce inflation’s impact on your nest egg, download their free 2025 gold investor bundle.

    Farmland

    The steady rise in food prices serves as a powerful reminder: no matter what happens in the economy, people still need to eat.

    That’s why farmland is considered a natural hedge against inflation. As food prices climb, so does the value of the land that produces it. At the same time, farmland is a tangible, income-generating asset that isn’t directly tied to the ups and downs of financial markets.

    According to the USDA, U.S. farmland values have steadily climbed over the past few decades, driven by increasing demand for food and limited supply of arable land.

    These days, you don’t need to buy an entire farm or know how to grow crops to get in on the opportunity.

    FarmTogether is an all-in-one investment platform that lets qualified investors buy stakes in U.S. farmland. The platform identifies high-potential agricultural properties and then partners with experienced local operators to manage the land effectively.

    Depending on the type of stake you want, you can potentially get a cut from both the leasing fees and crop sales. Then, years down the line, you can benefit from appreciation and profit from its sale.

    What to read next

    Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.