The financial challenges facing Americans today are creating a vortex of pressures across health, retirement, employers, and government. Inflation and interest rates have reached multi-decade highs, consumer debt has climbed to $17.1 trillion, and recession risks are at their highest since 2008. Over $220 billion in medical debt burdens households, with many delaying care, while millions nearing retirement face inadequate savings, averaging just $1,000 a month over 15 years. Employers face rising healthcare costs exceeding $15,000 per employee, often cutting benefits to cope, and the Social Security trust fund risks depletion by 2034, potentially costing $1.3 trillion by 2040.

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