Monday, March 23 — What You're Seeing

Your money, explained like I'm family.

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The Debase Brief — 2026-03-23

The Debase Brief

Monday, March 23, 2026 Salaried Worker Lens
BTC
$70,807
+2.9%
Gold
$4,419
-1.3%
CPI (YoY)
2.4%
↓ 0.3pp
M2
$22.44T
+4.29% YoY
Purchasing Power Lost
-2.4% (1yr) · -19.5% (5yr) · -27.5% (10yr)
Your dollar buys less every year. Here's how much.

Monday, March 23 — What You're Seeing

Written by Unc LASTE · Your money, explained like I'm family

You grabbed a bag of sugar at the store this week. Maybe some chocolate for the kids. The price made you pause, not because you can't afford it, but because you remember what it cost last year. That pause is your brain doing math it shouldn't have to do. The candy aisle, the baking section, even the coffee sweetener, they all cost more. A lot more.

But here's what burns: The official numbers say food prices barely moved. They take all your groceries, the sugar, the meat, the bread, the milk, and blend them into one tidy number that supposedly captures your experience. Except it doesn't. Because while that blended number looks calm, the stuff you actually buy is screaming higher. Sugar and sweets are leading the charge, but they're not alone. Your electricity bill jumped. That spring break flight you're planning costs more. The hospital visit nobody plans for, way more.

This is how they hide inflation from you. They don't lie about the numbers. They just average them until the pain disappears. But you can't average away what you pay at checkout. You can't blend away that pause when you see the price. The gap between what they measure and what you feel, that's where your money goes to die.

Once you see it, you can't unsee it. And that's where your power begins.

YOUR GROCERY RECEIPT Same items. One year apart.
LAST YEAR TODAY CHG
Coffee (lb) $7.25 $9.46 ↑+30.5%
Ground beef (lb) $5.62 $6.74 ↑+19.8%
Cheddar cheese (lb) $5.54 $5.99 ↑+8.1%
Electricity (kWh) $0.18 $0.19 ↑+5.6%
Gasoline (gal) $3.26 $3.06 ↓-6.0%
Potatoes (lb) $0.96 $0.87 ↓-9.5%
Butter (lb) $4.87 $4.31 ↓-11.4%
Dozen eggs (dozen) $5.90 $2.50 ↓-57.6%
CART TOTAL $33.58 $33.12 -1.4%
Your cart caught a break this week. But coffee is up 30%, ground beef is up 20%, and the money supply grew 4.30%.
Source: BLS Average Price Data · March 2026
CPI (official inflation) 2.4%
Gasoline Gasoline (-5.6%)
Used Cars & Trucks Used Cars & Trucks (-3.2%)
Source: BLS · 2026-02-01
WHAT YOU'RE PAYING Prices today vs one year ago
Ground beef (lb) $5.62 $6.74 +19.8%
Electricity (kWh) $0.18 $0.19 +5.6%
Bananas (lb) $0.62 $0.65 +5.5%
Gasoline (gal) $3.26 $3.06 -6.0%
Dozen eggs $5.90 $2.50 -57.6%
Source: BLS Average Price Data

That sugar price isn't happening in a vacuum. While you're standing in the checkout line doing mental math, the money machine keeps running. Every month, they create more dollars. Not because the economy grew. Not because we built more factories or invented something new. They create it because the government spends more than it takes in, and somebody has to buy those bonds.

The war made it worse. When oil shipments stop flowing through the Strait, everything gets expensive fast. Trucks burn diesel. Planes burn jet fuel. Every product you touch moved on something that burns oil. So now you've got two forces hitting at once: more dollars chasing the same goods, and those goods cost more to move. They won't tell you this at the press conference. They'll talk about "transitory pressures" and "supply chain normalization." Meanwhile, your grocery bill keeps climbing.

THE PATTERN

Crisis hits. They print. Prices rise. You pay. Every single time.

This is why some of us started paying attention to Bitcoin. Not for the price swings or the trading. For the simple fact that nobody can print more of it. While they're adding zeros to the money supply, diluting every dollar in your wallet, the Bitcoin network just keeps running. Same rules. Same supply cap. No emergency meetings. No special programs. Just math and electricity, protecting purchasing power while everything else melts.

M2 money supply $22.44T
M2 growth (YoY) 4.3%
National debt $39.00T
Source: FRED · US TREASURY · 2026-01-01
Inflation is a form of default.
— Charlie Munger

If you're pulling a paycheck, that sugar price jump hits twice. Once at the register, again when you realize your raise didn't cover it.

If you've got savings sitting somewhere, every month that passes is a month your money bought less sugar. Less gas. Less of everything.

If you're running a business, you're caught between eating the cost or passing it on. Most pass it on. That's why your customers are doing the same math you are.

If you're retired on a fixed income, that pause at the sugar shelf isn't about math anymore. It's about choices. What stays in the cart, what goes back.

If you're just starting out, renting your first place, buying your first groceries, this is your normal. You don't remember when sugar cost half this much. But your parents do.

Watch the oil tankers. The Strait of Hormuz stays closed, which means gas prices keep climbing and everything shipped by truck costs more, your groceries, your Amazon orders, all of it. The Fed meets in two weeks, and they're stuck between fighting inflation from oil prices and keeping the economy from crashing.

The Exit

They can't stop printing. Today's data showed it again, the money supply growing while your paycheck shrinks. The debt climbing while your savings melt. Every institution you trusted with your future is choosing their survival over yours.

But here's what I've learned: there's one thing they can't print. 21 million Bitcoin. No board meeting can change it. No crisis can expand it. No election can devalue it. While they print, the network just runs. While they promise, the code keeps working.

You don't have to play their game anymore. Neither does your money.

Bitcoin $70,807
BTC 24h change +2.9%
Source: COINGECKO
BITCOIN CONCEPT OF THE DAY
How are fees calculated?
Bitcoin fees depend on how busy the network is and how fast you want confirmation, like surge pricing for rides. You pay per byte of data, not per dollar sent.
DAILY QUIZ
1. What was the 'Crime of 1873' in US monetary history?
A) Gold confiscation B) Demonetization of silver C) Creation of Fed D) Bank holiday
2. What are 'primary dealers' in the Federal Reserve system?
A) Regional Fed banks B) Banks authorized to trade directly with Fed C) Currency distributors D) Gold dealers

Choose Your Lens

Same data. Your reality.

Retiree / Fixed Income

You worked forty years for this. Now your pension check arrives the same every month while everything at the store costs more. That sugar price jump isn't a blip, it's your purchasing power evaporating while the money printer runs overtime. But you've survived worse than this, and the same discipline that got you here will get you through: buy what lasts, own what matters, and remember that real wealth was never just dollars anyway.

Small Business Owner

You run a small business. You're watching your costs climb, supplies, shipping, everything, while your customers get more careful with their spending. The gap between what you need to charge and what people can pay keeps getting wider. But you see something your bigger competitors don't: when money gets tight, people remember who treated them right when times were good.

Real Estate

If you're in real estate, you're watching the same disconnect play out in housing. The official reports say the market's cooling, but your clients can't find anything they can afford, and sellers won't budge because they know their house is one of the few things keeping up with that sugar price. The good news: You understand hard assets better than most, and right now, explaining to clients why that house is holding value while their savings account isn't makes you the most valuable person in the room.

Equities / Investor

If you're watching your portfolio swing while groceries eat more of your paycheck, you're seeing both sides of the money game. Your stocks might be up, but those gains are measured in dollars that buy less sugar, less coffee, less of everything that matters at home.

The companies you own are passing costs to customers, that's you at the checkout line. But they're also assets that move with the money tide, not against it, and understanding that difference is how you stay ahead of the sugar price instead of chasing it.

Student / Young Professional

You're finishing your degree or just started that first real job, and suddenly you're doing grocery math you never had to do in the dorm. That pause at the checkout isn't about being broke, it's about realizing your starting salary already buys less than it did when you accepted the offer.

Start tracking what things actually cost you, not what the news says they cost. When you know the real numbers, you can make real moves instead of hoping your next raise catches up.

Beginner / I'm New Here

You just started paying attention to prices because something feels off. Every trip to the store costs more than last time, but everyone keeps saying the economy is fine.

Start tracking what you actually spend on groceries each week, not to budget, but to see the real inflation hitting your life. Once you see the pattern, you can make moves before it gets worse.

Expat / Global

You live abroad, watching exchange rates like weather reports. That sugar price jump hits different when you're converting currencies, your home country's money printing makes your paycheck worth less back home, while the local prices keep climbing too. You're caught between two inflations, but at least you see it clearly: diversify across borders, hold assets in multiple countries, and remember that being global means you can shop for stability, not just groceries.

The Number
$297,727
Your household's share of the national debt
QUIZ ANSWERS
1. B) Demonetization of silver — The 'Crime of 1873' refers to the Coinage Act that ended bimetallism by demonetizing silver.
2. B) Banks authorized to trade directly with Fed — Primary dealers are banks and securities firms authorized to trade directly with the Federal Reserve.