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The U.S. national debt is like a giant credit card bill that keeps growing. As of 2025, the government owes over $34 trillion. This debt builds up when the government spends more money than it collects from taxes. To cover the gap, it borrows by selling Treasury bonds to people, banks, and other countries like China and Japan. While borrowing helps fund important programs and keep the economy running during tough times, too much debt can cause problems. It means the government must spend more just to pay interest, leaving less for things like healthcare, education, or infrastructure. Some experts warn that if the debt keeps rising without control, it could shake investor confidence or raise inflation. Others say it’s manageable as long as the economy grows. Still, it’s a tough balancing act for leaders—deciding where to spend, where to cut, and how to plan for a stable financial future.