I've always been skeptical of inflation numbers. Since they are calculated for the nation as a whole, how accurate can they be on the nano-economic level - me?
For example, if your home is paid for and you're not sending kids to college, why should those prices affect your spending power? Obviously, the government cannot provide individual inflation measures, but as we say these days, "There's an app for that."
Calculate your personal inflation rate here. Then use it to determine your real interest rates and opportunity costs. Beware - your number could be higher than the US average.