Roth IRA Inflation Protection Why Your Contributions Shrink

Episode 29 of Roth IRA with Fexingo digs into an overlooked risk: inflation silently eroding the real value of your annual Roth IRA contributions. Lucas and Luna explain why the $7,000 limit in 2026 buys less than it did in 2020, how the IRS's cost-of-living adjustments lag actual price increases, and what investors can do — like prioritizing early-year contributions and pairing Roth accounts with I bonds or TIPS. They walk through a concrete example: a 30-year-old contributing the max for 35 years loses over $300,000 in purchasing power at 3% average inflation. The episode also covers the donation segment for listener support and ends with a practical checklist for inflation-proofing your retirement strategy. #RothIRA #Inflation #ContributionLimits #CostOfLivingAdjustment #IRS #RetirementSavings #PurchasingPower #TIPS #IBonds #RealReturn #SequenceOfReturns #EarlyCareer #Finance #PersonalFinance #Investing #FexingoBusiness #BusinessPodcast #TaxFreeGrowth Keep every episode free: buymeacoffee.com/fexingo