Personal and family inflation rate may be higher or lower than the Market inflation depending on your lifestyle and life stage.
For examples, any inflation related to the following will not impact me much:
- Cars - I don't drive
- HDB flat - I already bought and fully paid up
- Cigarette, cigars - I don't smoke
- Liquor - I don't drink liquor
So don't worry too much about market inflation as it may impact you less than expected if you can adjust your lifestyle.