The story for this monthโ€™s Rage Gauge is gold. What is it telling us? What is it worried about? Inflation, N. Korea, the economy? In my daily calls with investors the common refrain Iโ€™m getting about the stock market is that they donโ€™t trust it.

Gold has been jittery of late and Iโ€™m not about to guess its short-term track. It sold off big-time yesterday. Which brings me to interest rates which are, if you can believe it, lower. T-bill yields peaked on July 25, closing at 1.18%. Since then the markets have gotten jittery and yields are back down to 1.05%, though they’ve been rising pretty steadily since August 28.

Retirees are being asked to do with less, with a weaker dollar (which they use to buy goods and services) and higher gold. In other words, their daily survival costs are higher.

My advice: Nail down your expenses and think about surviving with less.