{"id":125679,"date":"2026-03-27T05:00:40","date_gmt":"2026-03-27T09:00:40","guid":{"rendered":"https:\/\/cablemanpro.com\/wallstreetpr\/you-can-blame-inflation-for-your-bad-finances-or-are-you-spending-too-much-125679"},"modified":"2026-03-27T05:00:40","modified_gmt":"2026-03-27T09:00:40","slug":"you-can-blame-inflation-for-your-bad-finances-or-are-you-spending-too-much","status":"publish","type":"post","link":"https:\/\/cablemanpro.com\/wallstreetpr\/you-can-blame-inflation-for-your-bad-finances-or-are-you-spending-too-much-125679","title":{"rendered":"You can blame inflation for your bad finances. Or are you spending too much?"},"content":{"rendered":"
\n

There\u2019s a narrative floating around right now that if inflation would cool off and if prices would finally come down, Americans would be back on solid financial footing.<\/p>\n

I don\u2019t buy it.\u00a0Not at all.<\/p>\n

Because here\u2019s the uncomfortable truth<\/a>.\u00a0Even if prices dropped tomorrow, a lot of Americans would still be going broke.<\/p>\n

WHY CAPPING CREDIT CARD INTEREST RATES WILL KILL CREDIT FOR WORKING FAMILIES<\/strong><\/a><\/p>\n

And it\u2019s not just about the economy.<\/p>\n

It\u2019s about our instant gratification behavior.<\/p>\n

The Blame Game Is Getting Old<\/strong><\/p>\n

We\u2019ve spent the last few years pointing fingers at:<\/p>\n

And yes, prices did go up. A lot.<\/p>\n

But at some point, we must take a step back and ask a harder question<\/a>:<\/p>\n

If money is so tight, then why does it look like nobody got the memo?<\/strong><\/p>\n

A Reality Check From Life<\/strong><\/p>\n

I\u2019m not looking at spreadsheets here. I\u2019m looking at what\u2019s actually happening on the ground with my own two eyes.<\/p>\n

Recently, I\u2019ve gone out to multiple high-end restaurants, traveled through packed airports, and attended concerts and live shows and here\u2019s what I saw.<\/p>\n

Every single one of them was full.<\/strong><\/p>\n

Not half full. Not struggling.\u00a0Packed.<\/p>\n

That\u2019s not the behavior of a scared or worried consumer. That\u2019s the behavior of a consumer who is still very comfortable spending and doesn\u2019t really believe they are going to hit hard times.<\/p>\n

The Spending Addiction Nobody Wants to Admit<\/strong><\/p>\n

Here\u2019s where this gets real. We don\u2019t just have an affordability problem<\/a> in America.<\/p>\n

We have a spending discipline problem.<\/strong><\/p>\n

People are still:<\/p>\n

And then turning around and saying to themselves, “I can\u2019t get ahead because everything is so expensive and the Government needs to fix the problem.” That\u2019s only part of the story.<\/p>\n

We Forgot The Pay Yourself First Rule<\/strong><\/p>\n

The real issue isn\u2019t just rising prices. It\u2019s that, as incomes have gone up even modestly, so have lifestyles and people forgot the cardinal rule of saving money off the top and then spend what\u2019s leftover.\u00a0We\u2019ve reverse engineered it to spend first and then maybe save if there is something left over.<\/p>\n

We\u2019ve normalized premium travel abroad<\/a> instead of basic trips. We\u2019ve converted to dining out three to four times per week instead of cooking at home. We\u2019ve added convenience like taking Ubers, doing Doordash, or needing access to a club for comfort over cost at every turn of our lives.<\/p>\n

And we justify it because “We deserve it, we don\u2019t know if there will be another COVID, or everyone seems to be doing it, so why shouldn\u2019t I do it?”\u00a0<\/p>\n

Maybe we do. But we also must be able to afford it, which is why credit card debt and overall debt is at an all-time high.\u00a0Our leaders are doing it in Washington, and we are doing it on main street.\u00a0\u00a0Two wrongs don\u2019t make a right.<\/p>\n

The Credit Card Illusion<\/strong><\/p>\n

Here\u2019s what\u2019s really fueling this disconnect.\u00a0Debt.\u00a0The kind of debt that\u2019s like having saturated fat in your diet.\u00a0You know how they tell you there is good cholesterol and bad cholesterol?\u00a0Well, many Americans are on a bad cholesterol diet of bad debt, and it\u2019s going to lead to a financial windowmaker for families across our country.<\/p>\n

Credit cards, buy-now-pay-later, financing everything from vacations to concert tickets.<\/p>\n

It creates the illusion that you\u2019re doing fine, you can keep up with your Instagram friends and that the money will somehow work itself out later. But it doesn\u2019t.<\/p>\n

It compounds and compounds just like interest always does until you\u2019ve dug a hole too deep<\/a> to climb out of financially.<\/p>\n

Why Lower Prices Won\u2019t Fix This<\/strong><\/p>\n

Let\u2019s say inflation cools. Even deflation. Prices stabilize. Maybe even come down in some areas.<\/p>\n

Does that suddenly fix your\u2026<\/p>\n

Of course not.<\/p>\n

Because those are behavioral problems and not economic ones.<\/p>\n

At some point, we must own this:<\/p>\n

You can\u2019t out-earn bad spending habits.<\/p>\n

And you can\u2019t out-wait them with lower prices.<\/p>\n

If your lifestyle consistently exceeds your income, the outcome is predictable no matter what the CPI says.<\/p>\n

This is a Wake-Up Call. It\u2019s Not a Lecture<\/strong><\/p>\n

This isn\u2019t about shaming anyone. It\u2019s about seeing what\u2019s happening with your own two eyes.<\/p>\n

It\u2019s about recognizing that financial stability isn\u2019t just determined by what things cost.<\/p>\n

CLICK HERE FOR MORE FOX NEWS OPINION<\/u><\/strong><\/a><\/p>\n

It\u2019s determined by being disciplined to do what you choose to do with your money.<\/p>\n

Because right now, the evidence is everywhere that restaurants are full, flights are packed and concerts are sold out.<\/p>\n

And yet, people are still saying they\u2019re falling behind. Both of those things can\u2019t be true forever.<\/p>\n

If prices come down, it might help slow down your leaky financial tire, but it won\u2019t save you from the fundamental problem.<\/p>\n

Because the biggest threat to your financial future isn\u2019t inflation. It\u2019s the spending habits you refuse to change.<\/strong><\/p>\n

CLICK HERE TO READ MORE FROM TED JENKIN<\/strong><\/a><\/p>\n<\/div>\n

Source – https:\/\/www.foxnews.com\/opinion\/you-can-blame-inflation-your-bad-finances-you-spending-too-much <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

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