If you want inflation protected 100% guarranteed savings, buy the inflation protected T-bonds. I maintain my savings in mutual fund and stock accounts, with only enough liquid assets for a 3 month long emergency fund. I have a mortgage, my wife has student and car loans. We are middle class with a normal amount of debt. Inflation decreases the size of our debt over time, while having no impact on salary or savings. So considering a typical inflation that's 5%, or more normally way less, what's the problem again?