I’ve recently just gotten my finances in order in the last month or two, honestly for the first time in several years. Much to my wife’s dismay, I’ve taken a very “set it and forget it” and “oh well” approach to finances for the last few years. Now that I have my finances in order, it’s become more and more obvious how little control I have over the monetary side of my life, especially under our current economic state. I’ve been trying to come up with a decent plan for saving for the future recently, but I’ve run into a bit of a dilemma:

• I can’t invest my savings because the markets can’t be trusted to not go under.
• I can’t let the money just sit because inflation will rapidly decrease its value.
• I can’t simply spend the money because then I’ll have no savings, and since it’s an IRA account, I’d be severely penalized for withdrawing it.