If there’s one thing that is constantly in the back of my mind when it comes to personal finances, it’s inflation. The effects of inflation on your financial health and retirement are devastating. Like many people, I used to brush off inflation as just a minor annoyance to put up with. But then I finally sat down with a calculator and saw how 3 percent inflation destroys savings over 20 years. And that’s when I had another oh, shit moment because I realized we were screwed i