Debunking the ‘Federal Reserve Is Privately Owned’ Myth
There’s a saucy snippet of news doing the rounds that might have ambushed you at the water cooler at work, during a swanky cocktail party, or in one of those internet forum cesspits.
Apparently, the Federal Reserve is a shadowy, privately owned cabal, run by bankers, profiting off your ignorance, manipulating the economy from behind the curtain.
Cue the sinister music.
That’s right. While they aren’t running monetary policy, the reserve bankers are building and tearing down nations, plundering your bank account and teaching your cat bad manners.
Somehow, this has supposedly been going on right under our noses. Just a big, open secret, for anyone to examine.
Just like the lizard people, right?
Oh, did I mention it involves the Jews?
That’s right, those pesky Rothschilds are at it again!
There’s only one minor problem? And I must stress it is a very minor issue, hardly worth raising. But we’re trying to be comprehensive, so here it is.
It’s utter garbage.
Just like (spoiler alert) the lizard people conspiracy theory, this one about The Fed being a privately owned, zionist plot to overthrow your personal finances is completely removed from reality.
What is Inflation? How It Works, Why It Matters, and How to Beat It
Inflation.
It’s a simple enough concept. Prices go up. Money buys less. But beneath that seemingly straightforward reality lies a force powerful enough to sink currencies, destroy savings, shape elections, and punch a hole through your weekly grocery budget. It’s not just an economic stat. It’s the oxygen level of the economy — too little and growth suffocates, too much and everything catches fire.
This guide cuts through the noise. We’ll break down what inflation is, what causes it, how it's measured (and why those measurements often miss the mark), what it means for your wallet, and how you can beat it in 2025 and beyond.
What is Inflation? Understanding the Basics
At its core, inflation is the rate at which prices rise — or more precisely, the rate at which your money loses value.
Your favourite flat white costs $5 today. Same beans. Same barista. Same Melbourne alleyway. But next year? $5.25. Harmless? Multiply that by every item in your life — fuel, groceries, rent, electricity, streaming subscriptions — and your $200 weekly shop starts looking more like $240.
This is inflation: slow, quiet erosion. And it compounds.