I haven't really experienced much inflation. Mortgage is fixed and car payment is fixed. Those are my largest monthly expenses. The restaurants we frequent like Carrabbas and PF Changs haven't increased costs much if at all. Some items at the grocery seem to be higher priced but have been able to offset by choosing less popular options. Ground beef was raided and empty, for example, but frozen Italian sausage was abundant and cheap. And loaded up on a pasta sale at 70 cents a pound for good stuff. So, long story short, no obvious inflation impacts other than perhaps a larger than expected raise. Fingers crossed. But the big bubba who needs to chow down on 3 pounds of ribeye steaks a day, chose to rent instead of buy & moves frequently, and leases his and hers new F-150's every year is probably hurting.