From the Desk of Shanon Davis, CEO — American Alternative Assets
You know, a new survey came out today that stopped me in my tracks. And I think it’ll hit home for a lot of you too.
CNO Financial just released their latest numbers, and here’s the headline: 1 in 3 middle-income Americans between 50 and 85 say they’re less confident in their retirement plan than they were just a year ago. Nearly half of folks who haven’t retired yet — 49% — doubt they’ll have enough to live comfortably.
I mean, think about that. Almost half.
And the top worries? Inflation — 27% said that’s what keeps them up at night. Then outliving their savings at 23%. And potential cuts to Social Security at 18%. These aren’t abstract fears. These are real people, people like my dad, who worked their whole lives and just want to know their money’s going to be there.
What the Fed Is Doing (and Not Doing)
Meanwhile, the Fed is releasing minutes today from their January meeting where they held rates at 3.5%-3.75%. Translation? They’re not in a hurry to make things easier for you. Your savings account isn’t keeping up with real inflation, and the Fed’s basically saying, “Hang tight.”
But here’s what I tell people — don’t just look at the inflation number. Look at your grocery bill. Look at what you paid for prescriptions last month versus three years ago. That damage is cumulative. A 2.8% Social Security bump doesn’t go very far when everything around you costs more.
What Gold Is Telling Us
Gold is trading near $5,000 an ounce right now. And that’s not because of speculation or hype. That’s institutional money — banks, pension funds, central banks — all moving to safety. When the smart money moves like that, regular Americans should at least be paying attention.
Like JP Morgan said back in 1913 — and I love this quote — “Gold and silver are real money. Everything else is just credit.” That’s stuck with me for a long time.
What Does This Mean for You?
Look, I’m not going to sit here and tell you the sky is falling. That’s not my style. But this survey is basically our customers talking. These are the same concerns I hear on the phone every single day.
The question isn’t whether things are uncertain — they are. The question is: Is your retirement plan built to handle what’s coming?
If you’re among the millions feeling less certain about your financial future, you’re not behind — you’re paying attention. And the next step is just getting informed. That’s it. Get educated, understand your options, and then make your own decision.
We put together a free guide called the Smart Money Guide. It’s not a sales pitch — it breaks down the straightforward steps real people are taking right now to protect what they’ve built.
Got questions? Give us a call. Get educated. Then decide for yourself.
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📖 Download the free Smart Money Guide →
