America is in deep trouble. Every dollar everywhere is debt. The paradox of this is a staggering misunderstanding of money as evidence of wealth, instead of as a mechanism to seize labor, resources and all elements of value systematically. America owes $25 trillion dollars including Federal, State and Municipal debt, plus a shortfall in social security obligations estimated at $8-25 trillion dollars, depending on who you listen to. 

Bottom line is 170 million working citizens cannot repay $25-40 trillion dollars. That’s not an opinion, they can NEVER repay the debt. Normally the world would answer an irresponsible economy with devaluation or hyperinflation of currency, but our military is so big and so strong that countries fear making us accountable. The events that are currently happening will devalue the standard of living for our grandchildren, but we can stop the madness if we do something before its too late.

The landscape that people compete in has been reconfigured. In the 80s investors stripped out excess pension assets and broke up conglomerates, in the 90s the reported equity in home values was explained to people as part of the creation of borrowing products designed to create spending of what could have otherwise been cushion against adverse economic events, and in 2000s the environment for citizens allowed for trends to lower pay and unseen inflation and rule changes to insure the money flowed to the bankers and the shareholders in perpetuity.

The best way to succeed in any game is to understand the rules. Regular Guy Economics lays out the pieces of this puzzle one by one, to give readers a platform upon which to propose and propel change. It’s a fight that needs understanding; the federal reserve is not federal, money is evidence of debt, not wealth; and educational borrowing needs an investment advisor to analyze the additional income potential a particular discipline might bring a student over time.