Analysis Matrix: The Personal Challenges Created By The National Debt

By Daniel R. Amerman, CFA

Analysis Matrix

As is shown in the first row of the matrix (the analyses are linked below), the sheer size of the United States national debt creates major challenges when it comes to interest rates, inflation, financial stability and the ability to make Social Security and Medicare payments in full.

As is examined in the second row of analyses in the matrix, each of those national challenges can directly translate to life-changing personal challenges as well.

Everything is interrelated, and the nation's financial problems are all too likely to create corresponding financial challenges for savers and retirees - whether they see the mechanisms for the transmission from the nation to individuals or not. Which creates major incentives to make retirement and other financial plans that are aligned with this environment - rather than ignoring it.

A1 Analyses: A Heavily Indebted Nation Needs Low Interest Rates

How Planned Fed Rate Increases Impact The National Debt & Deficits

Does The National Debt Supercycle Override The Normal Interest Rate Cycle?

A2 Analyses: The Personal Impact Of Low Interest Rates

Can A Nation $20 Trillion In Debt Afford Higher Interest Rates & Will This Change Our Retirements? 

How Do Low Rates & Inflation Work Together To Challenge The Foundations Of Retirement Investing?

B1 Analyses: A Heavily Indebted Nation Needs Higher Inflation

Five Little-Known Tools That Governments Use To Reduce Large National Debts - And The Impact On Our Money

Higher Interest Rates May Force Higher Inflation Rates

B2 Analyses: The Personal Impact Of Higher Inflation

The Profoundly Personal Impact Of The National Debt On Our Retirements

A Video Guide To Hidden Taxes

Changing Our Wealth Vision

C1 Analyses: A Heavily Indebted Nation Has Less Money To Pay Social Security

The True Cost Of The National Debt For Retirees - 26 Years Of Lost Safety For Social Security & Medicare

Two Sets Of Books & The $5 Trillion Perfect Crime

The Imminent Multi-Trillion Dollar Surge In Social Security & Medicare Costs

C2 Analyses: The Personal Impact Of The Squeeze On Social Security & Medicare

Making Optimal Social Security Claiming Decisions - A Four Stage Analysis

Means Testing For Social Security Seems Likely At Some Point - How Could That Impact Your IRA, 401(k) or Roth IRA?

Game Theory & Retirement Choices - Should You Get Yours, Before Everyone Else Tries To Get Theirs?

The Social Security Inflation Lag Calendar - Partial Indexing Part 1

D1 Analysis: A Heavily Indebted Nation Has A Greater Chance Of Crisis

How The National Debt & Surging Benefits Will Transform Retirement Planning

D2 Analyses: The Personal Impact Of Potential Crises

A Video Guide To Bail-Ins

Pension Shortfalls Could Be 4X To 7X Greater Than Reported