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    Real rates have overwhelmingly been positive
That is what the government tells you. But I don't see that when I look up my real expenses.

When I look through my old bills, what I paid for apartments, hotels, coffee it seems the real inflation was around 8% over the last 20 years. For hotels for example, it is easy to look up the same hotel today and see how prices changed.

And bonds paid less than 4%.

Can you give an example of something that increased less than 4% in price annually?

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