You also nicely elide that since a savings account currently averages a 6 basis point APY[1], it's already giving an inflation adjusted negative return. So a sa

You also nicely elide that since a savings account currently averages a 6 basis point APY[1], it's already giving an inflation adjusted negative return. So a savings account has gone past the "risk" stage to the "losing money" stage. [1] https://www.fdic.gov/regulations/resources/rates/ https://www.fdic.gov/regulations/resources/rates/