Inflation can quietly erode retirement savings long before markets ever make a headline. In this episode of Empower Your Retirement, Frank and Frankie Guida unpack how rising living costs, falling interest rates, and overly conservative portfolios can chip away at purchasing power over time. Using real listener stories and family examples, they explore the difference between bank “safety,” market risk, and inflation risk—and why understanding all three matters in retirement planning. The conversation focuses on balance, protection strategies, and how different tools fit into long‑term retirement decisions.

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