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Russian (RU) Sat, Sep 13, 2025, 10:27 AM 4 min read
Inflation may not be a four-letter word, but it can certainly feel like one. When prices rise faster than your paycheck, your savings shrink, and even the most confident investors start to worry.
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High inflation chips away at your purchasing power and adds pressure to every financial decision, whether you’re trying to budget, save, or grow your money. So how can you protect your finances when it feels like inflation is working against you at every turn?
We asked Jason Brown, a stock market expert, power options trader, and author of “Five-Year Millionaire,” to share the smartest ways to protect your wealth in inflationary periods. Brown has lived through and overcome his own economic challenges — he went from sleeping in a sleeping bag on the floor of his childhood home in Detroit to becoming debt-free, mortgage-free, and one of the most respected voices in investing.
His advice? Don’t panic — get strategic.
Here are three moves Brown recommends when inflation is high and your buying power is under pressure.
Remember that song that Baloo and his friends sang in “The Jungle Book,” “The bare necessities?” Turns out, they were onto something when they advised you to only focus on what you need. For Brown, one of the best ways to protect your money in a high inflation economy is to adjust your spending to prioritize — you guessed it — the bare necessities.
Brown recommends creating a spreadsheet and dividing your spending into three categories:
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Needs: “Food, shelter, utilities. These are non-negotiables.”
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Nice-to-haves: “Maybe you need a car, but not necessarily a brand-new Cadillac.”
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Wants: “New TVs, vacations, or jewelry — things you can live without.”
During periods of high inflation, Brown suggests prioritizing the first category and trimming or eliminating the rest.
“Consider eliminating anything in the want category while inflation is high,” he said. “You can look at your nice-to-haves and see where you can pivot or reduce spending. The goal is to ensure you have enough for your needs, because those have to be covered no matter how high inflation climbs.”
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High inflationary periods can make even the most financially savvy people hesitant to invest. But Brown cautions against overreacting.
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