Inflation is when the prices of goods and services rise generally and continuously. It’s not just an economic term — inflation directly affects our daily purchasing power.
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📉 1. Your Money Stays Still = Its Value Decreases
If inflation is 6% per year, then:
IDR 1,000,000 now, next year only has purchasing power of around IDR 940,000
This means, without investment, you are slowly 'losing money'
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🏦 2. Why Does Inflation Happen?
Some common causes:
High demand, limited goods → prices rise
Rising production costs, for example energy or raw materials
Excessive money printing policy by monetary authorities
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🔍 3. How is Inflation Measured?
The government usually measures inflation through the consumer price index (CPI), which reflects the average changes in prices of goods and services consumed by the public, such as:
Food
Transportation
Housing
Health
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💼 4. What is the Impact on Personal Finance?
Savings can lose value
Fixed salary, but living costs rise
Investment becomes important as a hedge
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🛡️ 5. How to Deal with Inflation:
Strategy Brief Explanation
Investment Diversify into assets like gold, stocks, or crypto like $BTC or $XRP
Control spending differentiate between needs & wants
Look for additional income sources Freelance, side business, or digital income
DCA for hedging specifically for those who understand risks & long-term goals
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🧠 Conclusion:
Inflation cannot be avoided — but it can be faced. What is important is not just hard work, but smart work and being ready to adapt to economic changes.
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💬 How are you currently facing inflation? Do you already have a hedging strategy?
#Inflasi #EdukasiKeuangan #BelajarEkonomi #CryptoSebagaiHedging #KeuanganSantuy
