The Business Show

Silver surged 170% in a year—briefly touching $80—driven by Fed rate cuts, genuine physical supply deficits, and exploding industrial demand with solar panels accounting for 29% of use, but investors should avoid chasing parabolic moves at all-time highs and keep precious metals at only 5-10% of a diversified portfolio rather than panic buying based on FOMO or fear.

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Gold surged 50% in 2025 breaking above $4,000 driven by geopolitical fears, central banks buying 1,000+ tonnes annually, and rate cuts, but gold's long-term real return is only 0.5-1% annually versus stocks' 6-7%—turning $10,000 into $13,000 with gold versus $60,000 with stocks over 30 years—making it useful only as a small 5% portfolio allocation for crisis insurance rather than a core wealth-building strategy since it produces no cash flow or compounding income.

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Inflation came in at 2.7% for 2025—down from 3% earlier but still above the Fed's 2% target—yet consumers still feel squeezed because food prices rose 3.1% with groceries up 2.4% and restaurants up 4.1%, while shelter costs remain sticky at 3.2% annual growth accounting for over one-third of CPI, and the cumulative 20%+ price increase since 2020 means households still feel behind even with wages rising 3-4%, making it critical to push for raises matching 3-4% inflation, lock in lower borrowing costs selectively, invest in diversified portfolios with inflation protection, and build emergency funds as prices likely won't return to 2019 levels.

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Elon Musk said people shouldn't save for retirement because AI and robotics will create abundance making goods essentially free with "universal high income" in 10-20 years, but this ignores current reality where Americans face high inflation and affordability crises—making it critical to keep maxing 401(k)s and IRAs, investing in low-cost index funds, and letting compounding work rather than betting on speculative predictions from billionaires with no consequences if they're wrong.

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Core inflation came in at 2.6% annually—below expectations—keeping the Fed on hold while shelter costs remain sticky; Federal Reserve Chair Powell faces criminal investigation sparking Fed independence concerns though stocks rallied to new highs; JPMorgan beat earnings on strong trading revenue despite Trump's proposed credit card rate cap; Delta projected 20% profit jump in 2026 citing strong travel demand; and Apple announced Siri will get AI upgrade using Google's Gemini models in another win for Google against OpenAI.

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