Should We Be Worried? Inflation, Interest Rates and Bonds

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With summer comes rising temperatures and this year, rising inflation! On today’s episode we’re going to discuss the importance of education, managing expectations, and understanding when it comes to navigating a volatile market.

We are dealing with high temperatures and high prices! Inflation and interest rates are both heating up. How permanent is this inflation and what can we expect the Fed to do?

If the Fed raises the rates too fast, it risks throwing the economy into a recession. If they raise them too slowly, they risk more inflation. The award-winning economist Milton Freedom said it best, “Inflation is too much money chasing too many goods (and services).”

What is often missing in the discussion about inflation is the lack of goods we are still dealing with from supply chain shortages. Despite high gas prices and fewer people in the workforce, the supply chain seems to be improving.

We don’t know for sure whether this will be a transitory period of inflation or not. The classic reaction is to panic and if you don’t have a risk-appropriate plan there may be a reason to panic. But those of us that are working with an advisor probably don’t need to be worried.

It comes down to education, expectations, and understanding. When we meet with a client, we educate them on how markets work; they go up and down. We have to understand risk and have reasonable expectations when it comes to returns.

If you have any questions for Don reach out at (732) 784-2867 or

Listen to the full episode to learn more or skip around to certain topics.

[0:40] – Are you ready for summer?

[2:53] – Is this permanent?

[4:56] – Raise rates fast or slow?

[6:35]– Fewer people working

[8:00]– What are we going to do?

[10:59] – Education, expectation, understanding

[13:52] – Preparing for unexpected

[15:50] – Buying before a crash

[16:34] – Looking at the big picture

[19:21] – What do we do to protect our wallets?

[21:08] – Don’t inflate your expenses 8%

[22:39] – Expenses aren’t linear

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Donald W. Cash – CPA, CFP®, is an independent advisor. After graduating from Rutgers University, he began his career in 1985 as an accountant. In 1990, he entered the field of Estate Planning, concentrating on long-term care planning. Don has been advising clients in the baby boomer and retirement market for 20 years. He has helped over 1,000 families with their planning needs.

Don advocates for a holistic approach to Estate and Financial Planning and has relationships with other professionals including Attorneys, CPA’s, Mortgage Specialists, Insurance Specialists and Asset Managers.

He is married to Cathy and they have 4 children, Carly, DJ, Nick and Tori. They live in Freehold, NJ.

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