If I follow the analogy right, the value of your debt is -8.6%. The path to beating inflation is (a) borrowing at fixed low rates before it kicks in & (b) buyi

If I follow the analogy right, the value of your debt is -8.6%. The path to beating inflation is (a) borrowing at fixed low rates before it kicks in & (b) buying some asset that appreciates at greater than inflation rates (or at least paces it).