The $18 Trillion Trap: How America's Debt Bomb Is About to Explode

Описание: The Federal Reserve Bank of New York just released a report that nobody is talking about: US Household Debt has hit a record $18.59 Trillion. With delinquency rates spiking to 3.6%, the American middle class is walking into a financial trap.

In this video: We break down the data behind the $1.21 trillion credit card bubble and why the average household now spends $560 billion annually just on interest. We analyze the "K-Shaped" economy—explaining why Walmart is booming while Dollar General customers are "financially exhausted." Plus, we expose the "Four Horsemen" driving this crisis: Inflation, Rate Spikes, Savings Evaporation, and Wage Stagnation.

Key Topics Covered:

The Debt Breakdown: Why Auto Loans ($1.66T) and Credit Cards are the first dominoes to fall.

The Interest Trap: How 24% APR turns a $10k balance into a 27-year sentence.

The K-Shaped Split: Why the rich buy stocks while the poor get their cars repossessed.

The Doom Spiral: How rising delinquencies trigger job losses and tighter lending.

Chapter Timestamps: 00:00 The $18.59 Trillion Report: What the Fed Quietly Released 02:15 The Breakdown: Mortgages, Auto Loans & The Credit Card Trap 04:45 The K-Shaped Crisis: Why Dollar General is Failing 07:10 3.6% Delinquency: Comparing 2026 to the 2008 Crash 09:30 Horseman #1: The Inflation Hangover (Prices vs. Wages) 11:50 Horseman #2: The Interest Rate Spike (0% to 5%) 14:15 The Savings Evaporation: Where did the Stimulus go? 16:40 Conclusion: Optimistic vs. Pessimistic Scenarios

Recommended Watch: The Truth About the US Economy: [Link to Playlist]

References & Entities:

Data sourced from the Federal Reserve Bank of New York Household Debt and Credit Report.

Corporate earnings analysis from Dollar General and Walmart.

Historical wage productivity data vs. CPI Inflation.