The Problem With... The Problem With Saving For Retirement: Damien Talks Money
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Dec 30, 2025 
In this discussion, Damien Jordan, a personal finance creator and host of Damien Talks Money, reveals essential money truths. He explains how inflation and fiscal drag stealthily diminish wealth. Damien discusses the challenges younger generations face in property and pensions, highlighting the rigged financial system. He dissects crypto fears and the nuances of investing, stressing the importance of living in the present while planning for retirement. With a candid approach, he compares tax systems and debates the fairness of inheritance tax and housing supply issues.
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Real Stock Returns After Inflation
- Stock market historical returns hide inflation; real returns are closer to 4–5% after inflation.
- Damien recommends planning on 4% real returns and using tax-efficient accounts to protect gains.
Use Tax‑Efficient Accounts
- Use tax-efficient accounts like ISAs or pensions to shelter investment growth from tax.
- Damien advises that avoiding tax is a main reason for investing, not just nominal growth.
How Money Creation Feeds Inflation
- Governments and central banks create money via bond issuance and QE, which increases nominal money supply.
- That extra money chasing the same goods drove the recent spike in inflation after COVID lockdowns.
