As you exchange your goods and services and excess capital for Federal Reserve Notes, and you build up accounts of them, you're allowing an invisible force to reduce the value of your wealth. It's an additional tax, actually, and it's the result of excess Government spending. If one estimates that actual inflation has averaged about 5 percent over the last 15 years, that means that every dollar saved in 1980 has lost more than one-half its purchasing power. As more and more fiat currency is printed, the value of existing savings is reduced. One hears the familiar phrase, "a dollar isn't what it used to be". One never hears anyone saying "a gallon isn't what it used to be".