You do understand that the free lunch is a concept that is relevant to people of wealth?
Many people of wealth choose to protect their assets at a return above inflation.
That would be a free lunch; earning a return above inflation for doing no work.
Don't debate me on this concept.
Simply;
Investing isn't work.
Creating, building, managing, producing, developing, etc. is work.
Put your excess cash in short term bonds; five years or less at this time.