3 Predators Silently Eating Your Money

How you can protect your money.

Ahmad Ali
5 min readDec 4, 2020

As human beings, we take care of many things that are important for living on Earth.

We need to take care of our health, time, future, house, faith because they’re basic parts of our life.

Likewise, the one important factor that matters in our lives and for which we all do a lot of hard work is called money. Why money matter is well known to you?

There are some financial predators around you that are continuously eating it. If you use a little common sense and have some financial intelligence, you can save your money from these predators.

In daily life, you see yourself and other people doing jobs and running businesses to earn money. A major portion of our life spends on getting an education and making the future bright for earning money and happiness.

“Money buys everything, even true love.”
__Nelson Rodrigues

This might be not true to everyone but still meaningful.

If money is so important that it helps you buy things that are critical for living a comfortable and happy life, you need to take care of money.

Even you’re a young person doing a job or business and/or a retiree who has his savings only to live until death; you need to protect your money from predators eating it without creating noise.

You might consider these predators the most sincere in your life but in the real world, they just care about themselves, not you and your money. In this article, you’re going to learn about three cruel financial predators and how you can protect your money.


Every country in the world has banks, and they’re an important part of financial institutions in any state. We need banks to make deposits, withdrawals, and transferring money.

Banks are helpful in making business transactions and managing our money for day to day needs.

But at the same time, there is a big problem with banks. You deposit money with the bank in your saving accounts to earn interest over time. You consider that interest as profit and spend it to satisfy your needs.

In reality, you’re not making any profit at all but making a loss.

Who is making profits and becoming wealthy? Obviously your bank. How? Bank takes your hard-earned money to do business by lending it at a higher interest rate to companies, governments, and other businesses.

For example, banks lend money to deficits at a 20% rate of interest and giving you 2 or 3% after a year. You can determine the difference. How much they’re earning from your courteous money while doing nothing.

The 2% they pay to you is subjected to inflation and taxes by the government. And when you minus that amount you’re actually doing lose on your whole deposit.

“Get Your Money Out Of The Bank. Don’t Save.”

__Robert Kiyosaki

What to do instead?

Keep a reasonable amount of money in your bank account. Usually, 2 to 3 months’ salaries are good to save in the bank account for daily needs.

But don’t put all your money in your bank. In simple language don’t use banks for investment purposes to earn more money.

There are lots of other opportunities that can help you earn big returns. It’s true that if you want a higher return on your money, you need to face higher risks but that finally pays off.

Some best opportunities are the stock market, real estate, construction, and doing a personal business.

Investing in these broader opportunities not only helps you earn a higher profit on your money but also put your money to work for you.


Brokers are the intermediaries between an investor and financial markets to help you buy and sell financial assets like stocks, bonds, currency, and gold.

Brokers play an important role in helping you manage your investments. They help the markets regulate their operations smoothly and have a significant role in high-frequency trading.

The majority of brokers only concerns about making their own commission. They don’t care about their clients. They take from the poor and give it to big fishes.

In high-frequency trading, big investors with sophisticated trading tools have greater chances to make profits as compared with small investors.

As a result, if you’re not an intelligent investor and well versed in financial markets trading you may suffer a substantial loss.

What can you do?

Research and find a broker who has the experience and knowledge in his market. Whether stock marketing, commodity market, or derivative market.

“A good broker is worth good money. I like to pay my broker well if he’s good at what he does. I consider it part of the cost of investing.”

__Robert Kiyosaki

Brokers who do personal trading and have enough experience help you take optimal decisions and educate you. You must be able to discuss different circumstances with him.


Inflation is referred to as a decrease in the value of your money over time and an increase in the prices of goods and services. What you can buy for $100 this year may cost you $102 next year.

Your money is continually suffering from the TVM effect.

Inflation is a hidden tax on your money, or you can consider it as a secret predator that is eating your money by devaluing it. You can’t stop it from devaluing your money.

“Inflation is the one form of taxation that can be imposed without legislation.”

__Milton Friedman

In the USA the average inflation rate remained 1.2% in the year 2020. In some countries, it is even larger.

Like the previous two predators you also need to keep your money safe from inflation. If you don’t take it seriously and don’t make a strategy against it, you will lose the value of money over time.

What can you do?

Put your money to work. Invest it to do business. You can lend it to companies that are paying higher interest rates by purchasing their bonds.

Another good way is to invest in gold, land, other precious metals to earn a higher return. Gold and land commonly don’t devalue instead increase in value over time.

Financial markets are also an excellent way to invest your money if you can learn the rules of investing. Stocks, options, and other derivatives provide a very good rate of return if you trade them in the right way.

In short, at least invest your money to buy assets whether financial or real assets. Assets help you get income over time.

The bottom line

Protecting your money is essential to living a comfortable life. Like air, water, food, shelter you also need money to live in this world.

Avoid putting too much money in your bank accounts in the hope to achieve a fortune on your money. Instead, invest it to earn big profits.

Likewise, pay attention to your brokers and inflation to avoid getting your money in hands of the rich and avoiding devaluation.

Money management is the key to getting out of horrible financial problems.



Ahmad Ali

A writer & dreamer. I write about business, finance, and marketing. @AhmadAl82230443