Resources mentioned: go to www.iraarmor.com/quiz and www.iraarmor.com for more information
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Welcome to The IRA Armor podcast, where we help you shield your hard-earned money from the chaos of the financial world. I’m your host, Jack Gallegar, and today we’re diving into a question that’s keeping a lot of folks up at night: Is your retirement at risk? Are you worried your investments will vanish in the next market crash or inflation spike? Don’t leave your wealth to chance! Head to www.IRAarmor.com/quiz and take our quick, free quiz to discover how a Gold IRA can protect your future. In just a few minutes, we’ll match you with the top Gold IRA companies tailored to your financial situation and goals. No guesswork, no hassle—just a smarter way to safeguard your money. Once again, simply visit www.IRAarmor.com/quiz right now and take control of your retirement! We’ll also leave the link in the show notes or description for you as well for quick access.
And finally, the IRA Armor Podcast and IRA Armor dot com are not financial advisors and are not providing professional advice. Consult with licensed professionals in your area before taking action with your money.
Ok, let’s get into it today… so could a Gold IRA be the key to saving your wealth? If you’ve been watching the markets, hearing about inflation, or worrying about the next big crash, this episode is for you. So grab a coffee, settle in, and let’s talk about why gold might just be your financial lifeboat in these stormy times.
Let’s start with the big picture. If you’re like most people, your retirement savings are probably sitting in a 401(k), an IRA, or maybe some stocks and bonds. And you’ve probably been told that’s the “safe” way to go. Diversify, invest for the long haul, and you’ll be sipping cocktails on a beach when you retire, right? Well, I hate to be the bearer of bad news, but that plan might have some cracks in it.
The economy in 2025 is a wild place. Inflation’s been eating away at your purchasing power—think about how much more you’re paying for groceries or gas compared to just a few years ago. The Bureau of Labor Statistics reported that inflation hit 7.9% in 2024, and it’s not slowing down much. That means your dollar buys less every year. If your retirement savings are just sitting in cash or low-yield bonds, they’re losing value faster than you might realize.
Then there’s the stock market. It’s been a rollercoaster, hasn’t it? One day it’s up, the next it’s tanking. Just look at what happened in 2022 when the S&P 500 dropped nearly 20%. People lost years of gains in months. And with all the talk about a potential recession—some economists are saying we’re already in one—your portfolio could take another hit. Are you ready for that?
And don’t get me started on the national debt. It’s over $35 trillion now, and the government keeps printing money to cover it. That’s like trying to fix a leaky boat by poking more holes in it. When the government prints money, it devalues the dollar, and guess who feels the pain? You, me, and everyone with savings tied to the dollar.
So, let’s be real: your retirement is at risk. Inflation, market crashes, and a shaky dollar are all chipping away at your nest egg. But here’s the good news—there’s a way to fight back, and it’s called a Gold IRA.
If you’re new to the idea, let me break it down. A Gold IRA is a special type of Individual Retirement Account that lets you invest in physical precious metals like gold, silver, platinum, or palladium instead of just stocks, bonds, or mutual funds. It’s still an IRA, so you get the same tax advantages—like tax-deferred growth or tax-free withdrawals if it’s a Roth IRA—but instead of betting on Wall Street, you’re holding actual, tangible assets.
Why gold? Because gold has been a store of value for thousands of years. When the Roman Empire was falling apart, people were trading gold. When currencies collapsed in Germany after World War I, gold held its worth. Even today, when markets tank or inflation spikes, gold tends to hold steady or even go up. In 2024, gold prices hit record highs, topping $2,500 an ounce at one point. That’s not a coincidence—it’s what happens when people lose faith in paper money.
A Gold IRA lets you take a portion of your retirement savings and move it into physical gold or other metals, stored securely by a custodian. It’s like putting a suit of armor around part of your portfolio. And the best part? It’s not as complicated as it sounds. You don’t need to be a Wall Street wizard to set one up.
So, why should you care about a Gold IRA? Let’s talk about the big reasons it could save your wealth.
Number one: Protection against inflation.
I mentioned earlier how inflation’s been eating your savings. If you’ve got $100,000 in a savings account earning 1% interest while inflation’s at 8%, you’re losing 7% of your purchasing power every year. That’s like watching your retirement dreams evaporate. Gold, on the other hand, has historically kept pace with or outrun inflation. Over the past 20 years, gold’s average annual return has been around 9%, according to data from the World Gold Council. That’s better than most savings accounts and even some stock funds.
Number two: A hedge against market crashes.
When the stock market tanks, gold often shines. Remember the 2008 financial crisis? While stocks plummeted, gold prices climbed nearly 25% from 2008 to 2010. It’s like a financial safe haven. If you had a Gold IRA back then, you’d have been one of the few smiling while everyone else was panicking. With all the uncertainty in 2025—trade tensions, political gridlock, you name it—having gold in your portfolio is like an insurance policy.
Number three: Currency devaluation.
The dollar’s been the world’s reserve currency for decades, but it’s not invincible. With the national debt climbing and countries like China and Russia pushing to trade in other currencies, the dollar’s value could take a hit. Gold isn’t tied to any one country’s economy. It’s a global asset, and it holds its value even when currencies wobble. If the dollar takes a dive, your Gold IRA could be what keeps your retirement afloat.
Number four: Diversification.
You’ve heard the saying, “Don’t put all your eggs in one basket.” Most people’s retirement accounts are stuffed with stocks and bonds, which are tied to the same economic risks. A Gold IRA adds a totally different asset class—one that doesn’t move in lockstep with the stock market. Studies show that adding just 5-10% gold to a portfolio can reduce risk without sacrificing returns. It’s like adding a stabilizer to a shaky boat.
Let me tell you about Sarah, a listener who reached out to us last month. Sarah’s 55, a nurse, and she’s been saving diligently in her 401(k) for 20 years. She had about $300,000 socked away, mostly in stock funds. But when she saw her balance drop by $50,000 during a market dip last year, she started to panic. She was planning to retire at 65, but now she’s worried she’ll have to work until she’s 70—or longer.
Sarah emailed us and said, “Jack, I can’t afford to lose another chunk of my savings. What do I do?” We talked about her options, and I suggested looking into a Gold IRA. She was skeptical at first—thought it sounded too good to be true. But after doing some research on IRA Armor dot com, she decided to roll over 20% of her 401(k), about $60,000, into a Gold IRA.
Here’s what happened. She worked with a reputable Gold IRA company—more on how to choose one later—and bought physical gold and silver, which are stored in a secure vault. When the market took another dip a few months later, her stock funds dropped again, but her gold held steady. In fact, it went up a bit. She told me she’s sleeping better knowing that part of her retirement is protected, no matter what the markets do.
Sarah’s story isn’t unique. I hear from listeners and website visitors all the time who are fed up with watching their savings bounce around like a yo-yo. A Gold IRA gives you control and peace of mind.
Alright, so you’re thinking, “Jack, this sounds great, but how do I actually do this?” Don’t worry—it’s simpler than you might think. Here’s a quick step-by-step guide.
But before we get into this… just understand that reputable Gold IRA companies like the ones we research do all this for you! If you want to jump on this path quickly and easily and have your hand held by the top Gold IRA companies in the country, get matched up today by going to www.IRAarmor.com/quiz. Here’s the breakdown of what they will do for you…
Step one: Find a reputable Gold IRA custodian.
Not all IRA providers offer Gold IRAs, so you need a company that specializes in precious metals. Look for one with a solid track record, transparent fees, and good customer reviews. Companies like Augusta Precious Metals or Birch Gold are well-known, but do your homework. Check their ratings with the Better Business Bureau and read reviews from real customers.
Step two: Roll over funds from an existing retirement account.
You can move money from a 401(k), traditional IRA, or even a Roth IRA into a Gold IRA without paying taxes or penalties, as long as it’s done correctly. This is called a rollover, and your custodian will guide you through the paperwork. It usually takes a couple of weeks. Of course cash works as well if that’s your thing.
Step three: Choose your metals.
Once your account’s funded, you’ll pick which precious metals to buy. Gold’s the most popular, but you can also invest in silver, platinum, or palladium. Make sure the metals meet IRS purity standards—99.9% pure for gold, for example. Your custodian will handle the purchase and store the metals in a secure, IRS-approved depository.
Step four: Monitor and rebalance.
A Gold IRA isn’t a set-it-and-forget-it deal. Check in with your custodian periodically to make sure your portfolio’s balanced. You might want to adjust how much gold you hold based on market conditions or your retirement timeline.
Before we wrap up, let’s bust a few myths I hear all the time.
Myth one: Gold IRAs are too complicated.
Not true. Setting up a Gold IRA is about as hard as opening a regular IRA. A good custodian walks you through it, and the process is straightforward if you’ve got an existing retirement account.
Myth two: Gold doesn’t earn returns.
Wrong. While gold doesn’t pay dividends like stocks, it can appreciate in value. Over the past decade, gold’s averaged a 7-9% annual return, which is competitive with many investments. Plus, it’s about stability, not just growth.
Myth three: You have to be rich to invest in gold.
Nope. You can start a Gold IRA with as little as $5,000 or $10,000, depending on the custodian. You don’t need to be a millionaire to protect your wealth.
Now, I’m not saying a Gold IRA is perfect for everyone. It’s not a magic bullet. If you’re expecting to double your money overnight, you’ll be disappointed—gold’s about preservation, not speculation. And like any investment, there are risks. Gold prices can fluctuate, and there are fees to consider. But in a world where inflation’s out of control and markets are unpredictable, a Gold IRA is one of the smartest ways to protect what you’ve worked so hard to save.
So, what should you do right now? First, take a hard look at your retirement accounts. Are they diversified? Are they protected against inflation or a market crash? If you’re not sure, it’s time to explore a Gold IRA. Start by researching. Of course here at IRA Armor we’ve done the research for you. Head to IRAarmor.com and learn more about gold IRAs and all the benefits they provide.
Don’t wait until the next market crash or inflation spike hits. The time to protect your wealth is now, before things get worse. I’ve seen too many people lose decades of savings because they didn’t act in time. Don’t let that be you.
That’s all for today’s episode of the IRA Armor podcast. If you found this helpful, share it with a friend or family member who’s worried about their retirement. And leave us a review—it really helps us reach more people. Until next time, this is Jack Gallegar, reminding you to armor up your investments and secure your financial future. Stay smart, stay safe, and we’ll see you next time.
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