America’s household debt hit $18.59 trillion with a $197 billion Q3 spike this year. Many people are calling this "the elite’s silent war on the middle class." That’s $136,000 per household and an increase of $1,500.
Mortgages, car loans, and credit cards are chaining families while the politicians in DC print trillions for wars and green flops.
Banks feast, wages stagnate, and every dollar borrowed buries dreams deeper.
This isn’t growth; it’s a debt trap dressed as progress.
Who’s waking up to the bankers’ grift before the next foreclosure wave drowns us all?
Let's break down what this debt is, i e credit card debt related to housing Etc.:
Per the NY Fed. Breakdown: -
- Mortgage: $13.07T (70%)
- HELOC (home equity): $0.42T
- Credit card: $1.23T
- Auto loan: $1.66T
- Student loan: $1.65T
- Other: $0.55T
Housing-related (mortgage + HELOC) is ~$13.49T. Total up $197B from Q2.
How much were the increases in each category? From Q2 to Q3 2025 (NY Fed data):
- Total debt: +$197B
- Mortgage: +$137B
- HELOC: +$11B
- Credit card: +$24B
- Auto loan: No change
- Student loan: +$15B
- Other: +$10B (retail cards, etc.)
No categories decreased.
$18.59 trillion (and climbing) into a bear market. Debt doesn’t care about rate cuts, it compounds while optimism fades.
This only ends one way.
FORTUNE Magazine lays it out:
Six figure income earnings are currently engaged in or considering:
- side hustles (61%)
- selling personal items (53%)
- skipping meals (41%)
- renting out all or part of their home (41%)
- resorting to debt consolidation or bankruptcy (38%), to stay financially afloat, per FORTUNE.
Six-figure earners having to side hustle, sell stuff, skip meals, and take on debt just to stay afloat tells you everything about the state of the economy. Income isn’t keeping up with the cost of living, and even the “comfortable” are getting squeezed.
Debt keeps climbing because the system forces people to borrow just to stand still. That’s what happens when the currency loses value faster than wages rise.
If this is how the top decile is doing, imagine the bottom half. We’re not in a soft landing. We’re in a forced side hustle.
Six figures used to mean security. Now it means surviving differently. When the ‘comfortable class’ is renting rooms and skipping meals, the middle isn’t missing, it’s gone.
When people making six figures are skipping meals and renting out their homes to stay afloat, that’s not “bad budgeting,” that’s a broken cost structure. If the upper-middle class is already cracking like this, the stress isn’t at the margins — it’s in the center of the system.
When six figures isn't enough, the system is broken. Side hustles and selling stuff to survive on a high income? It's not a personal failure; it's a designed collapse of the middle class.
The absolute ONLY group that seeks to systematically destroy the Middle Class . . . . is Communists. They need the Middle Class eradicated so they can take power.
We're coming to the point where Nooses will be needed to put a stop to the Communists.
