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In my early to mid 20's I received a letter from the Social Security Administration and the estimate was I would be receiving $0.42 for every $1 I put in. It was kind of odd, I have never received such a letter before or since, but it wasn't very encouraging to think I am subsidizing the generation that put the County into this financial mess and I will never get that money back.

Debt for individual households in the US is still relatively new, in 1950 it was nearly $0 and its now it is well over $10Trillion (closer to $13). Households in the US with debt have an average of $135,000. And counter-intuitively as incomes increase households are not less likely to be in debt, statistically they will have the most debt.



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