There is a comprehensive economic acceleration plan with all of the raw power needed to resolve this debt-driven calamity. Stay tuned…

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The Maths of a Debt Trap

By Alasdair Macleod, January 5, 2026 | Von Greyerz AG

Excerpt:

This millennium is different from the post-war years

…The next table replicates the first table in this article, but for the 25 years of this current millennium.

Here, we can see that gross debt has been rising nearly three times faster than GDP, and even more so measured in the federal government revenues which are behind the sustainability of the debt. With the increase in revenue badly lagging the debt increase, the US Treasury is in a classic debt trap, a condition which has been accelerating, particularly since the pandemic of 2020. It is a fact which is increasingly recognized by foreign central bankers who are getting out of dollars and into gold.

The second element of the debt trap – soaring interest rates

So far, we have seen that in the first 25 years of this new century, the increase in tax revenue has failed lamentably to keep pace with the increasing growth of debt. For the US Government, this has not mattered too much while the Fed was able to suppress interest rates even to the zero bound and therefore contain the compounding cost of funding. Additionally, with the dollar being everyone’s reserve currency, foreign buyers were always demanding them and investing in the regulatory “risk-free” status of US Treasury debt. It is this combination which has extended the dollar’s life as a fiat currency, pushing it even further into a debt trap waiting to be sprung by higher interest rates.

Interest rate suppression is less evident today, at least not to the degree of recent years. The sharp rise in interest rates and bond yields between 2021—2023 have only partially been corrected in the belief that inflation has receded as a problem. This is an error, because the inflationary consequences of a $2+ trillion budget deficit and a decline in the personal savings rate will continue to feed into a falling purchasing power for the currency. And geopolitical factors encourage members of the Shanghai Cooperation Organization and BRICS, representing a large majority of the world’s population, to reduce their dollar exposure as well.

Both these factors are feeding into an inevitable funding crisis for the US Government, as foreign buyers of US Treasury debt stay away, and in some cases are actually selling. And instead of interest rates and bond yields being under the control of the Fed, they will be exposed to the brutal consequences of falling market demand. A buyers’ strike by foreign investors at the margin is already forcing the US Treasury to fund itself in short-term T-bills, with auctions for longer maturities being generally avoided. Increasingly, the $38.6 trillion debt mountain sees longer maturities being replaced by T-bills as well. The whole maturity structure of US Treasury debt is changing, and it is not for the good.

The yield curve has begun to price in maturity risk, with the 30-year long bond yielding 68 basis points more than the 10-year note, and 127 bp more than the 6-month T-bill. But there is a further problem: in a debt trap, the higher the funding cost, the less attractive an investment proposition becomes, because the compounding pace at which the debt rises accelerates.

The consequences for the credit bubble

For every debt, there is a credit and in recent years significant quantities of this credit, has found its way into financial instruments, particularly equities. As the interest cost on this debt increases, the credit side of the bubble will burst. Today, the disparity between the returns on long maturity bonds and equities is at an all-time record, illustrated by the chart below:

It is worth taking time to study this chart closely. Not only is the excessive value of the S&P over the long bond greater than it has ever been, but it shows signs of going higher due to rising bond yields. This will only be resolved by an equity crash to rival or even exceed anything seen in history.

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America is at an historic crossroad. Present a plan to solve this impending crisis, or face the consequences.

The Leviticus 25 Plan the only politically feasible, economically viable economic plan anywhere with the raw power to get America back on track.

The Leviticus 25 Plan will achieve:
• Massive public and private debt elimination
• Robust liquidity for U.S. credit markets
• Powerful, free market-driven economic growth
• Long-term stability for the U.S. Dollar
• Financial security and economic liberty for millions of American families

The Leviticus 25 Plan is a dynamic economic initiative providing direct liquidity benefits for American families, while at the same time scaling back the role of government in managing and controlling the affairs of citizens.  It is a comprehensive plan with long-term economic and social benefits for citizens and government.

The inspiration for this plan is based upon Biblical principles set forth in the Book of Leviticus, principles tendering direct economic liberties to the people.

The Leviticus 25 Plan – An Economic Acceleration Plan for America

$95,000 per U.S. citizen – Leviticus 25 Plan 2026 (42476 downloads )

The KBW Index – large national money center banks have been faring very well, in what is otherwise a burdensome and stifling economic climate for businesses, working-class citizens, states, and student loan borrowers.

The KBW Index includes 24 banking stocks representing the large U.S. national money centers, regional banks and thrift institutions. The largest banks in the Index include:
JP Morgan Chase & Co.
Bank of America Corporation.
Wells Fargo & Company.
Morgan Stanley.
Goldman Sachs Group, Inc. ( The)
Citigroup
Capital One Financial Corporation.
U.S. Bancorp.

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Meanwhile across America: Businesses, working-class citizens, states, and student loan borrowers are not faring well…

Bankruptcies are exploding across the economy, hitting small businesses and households. Few industries are immune. – Business Insider

By Natalie Musumeci | Dec 27, 2025

• From corporate giants to mom-and-pop shops, bankruptcies are piling up across the US this year.
• Large corporate bankruptcies have hit their highest level in 15 years.
• “Bankruptcies seem to be kind of all over the place,” one veteran bankruptcy attorney said.

Bankruptcies aren’t just rising — they’re suddenly everywhere.

From billion-dollar giants to mom-and-pop shops to everyday individuals, bankruptcies are piling up across the US this year, with large corporate bankruptcies already hitting their highest level in 15 years.

The surge in bankruptcies highlights the growing financial pressures facing consumers and companies as costs climb amid a tougher borrowing environment….

Personal bankruptcies – In addition to big and small businesses, individual bankruptcies have also increased amid rising costs. Individual bankruptcy filings saw an 8% jump to 40,973 in November 2025, up from the 37,814 filings in November 2024, the data cited by ABI shows.

Full article: https://www.businessinsider.com/bankruptcies-across-economy-small-business-households-corporate-2025-12

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Credit Card Interest Rates

Federal Reserve’s latest consumer credit report (G.19): “Despite the 1.50% in rate cuts since last September, we can now confirm that rates on credit cards have gone… higher, as banks continue to bleed US consumers dry: at the start of 2025 the average rate on credit card accounts was 22.80%… and on Sept 30 the number was higher at 22.83%, just barely below the all time high of 23.37% set one year ago” (ZeroHedge).

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States’ Recession Risk

23 US States Are At High Risk Of (Or In) Recession Currently

ZeroHedge, Dec 22, 2025 – Excerpt:

In 2025, states responsible for about a third of U.S. GDP are in recession, or face high recession risk. Another third are expanding, including Florida and Utah, based on payrolls, employment, and other key economic data.

This graphic, via Visual Capitalist’s Dorothy Neufeld, shows recession risk by state in 2025, based on analysis from Mark Zandi, chief economist at Moody’s Analytics.

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Student Loan Stress

Education Department Has Rejected Over 300,000 Requests For Lower Student Loan Repayments

ZeroHedge, Dec 28, 2025 – Authored by Aaron Gifford via The Epoch Times, – Excerpt:

The U.S. Department of Education has so far denied requests from more than 300,000 existing student loan recipients seeking new repayment terms, according to documents filed in a federal court earlier this month.

The total debt carried by 43 million student loan borrowers currently totals about $1.62 trillion.

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On the Edge of a “Default Cliff”: New Survey Shows Student Loan Borrowers Are Struggling to Keep Up – Institute for College Access & Success

By Michelle Zampini, Dec 6, 2025 – Excerpt:

Beyond affordability, borrowers report mixed experience with servicers: more than half (61%) of borrowers report having communicated with their servicer to resolve an issue with their account; of those borrowers, three-quarters (75%) said they were able to work with their servicer to resolve the issue. However, nearly half of those borrowers (48%) reported facing long wait times to access help, one quarter (24%) said their servicer provided them with inaccurate information, and one in ten borrowers (11%) believe the balance shown on their account is incorrect.

These findings align with the limited data that ED has released so far this year. At the start of the pandemic pause in March 2020, 8.6 million borrowers were in default. While a portion of those borrowers resolved their default during the pause—either through the “Fresh Start” program or via having their debt discharged—new ED data released in November show that as of October 2025, more than 5.5 million borrowers with over $140 billion in outstanding federal student loans were in default.² In addition, 1.17 million borrowers were 30-89 days delinquent, 1.56 million were 90-269 days delinquent, and 3.68 million were 270+ days delinquent.

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The Leviticus 25 Plan impartially grants U.S. citizens the same direct liquidity extensions that were provided to major U.S. and foreign banking concerns during the economic credit crisis of 2008-2010 and the Covid crisis of 2021-2022.

The Leviticus 25 Plan will cleanly and evenly eliminate massive amounts of public and private debt (mortgage debt, consumer debt, student loan debt). It will dramatically and powerfully restore financial security for millions of American families and small businesses.

Large money center banks, rather than receiving ‘hand-out’ liquidity flows direct from the Federal Reserve, will receive massive liquidity infusions that flow from the Fed direct to U.S. citizens, and then on into the banking system through opportunistic debt-elimination.

Excess cash reserves may then be directed by banks into the Treasury market to competitively lower interest rates.

The Leviticus 25 Plan is the most comprehensive, powerful economic acceleration plan anywhere on the planet.

The Leviticus 25 Plan is a dynamic economic initiative providing direct liquidity benefits for American families, while at the same time scaling back the role of government in managing and controlling the affairs of citizens.  It is a comprehensive plan with long-term economic and social benefits for citizens and government.

The inspiration for this plan is based upon Biblical principles set forth in the Book of Leviticus, principles tendering direct economic liberties to the people.

The Leviticus 25 Plan – An Economic Acceleration Plan for America

$95,000 per U.S. citizen – Leviticus 25 Plan 2026 (42435 downloads )

The Leviticus 25 Plan offers a perfect complement to a coming “regulatory change” in the Supplemental Leverage Ratio (SLR) for banks.

The massive private sector debt reduction generated under The Leviticus 25 Plan would lead to enormous cash inflows for banks. Regulatory change in the SLR would then allow banks greater access to the Treasury market. This dynamic would increase demand for Treasury’s, thereby stabilizing the Treasury market and the U.S. Dollar, and significantly pull down interest rates.

The Leviticus 25 Plan – the most powerful decentralizing economic acceleration plan in the world. There is no other competing plan anywhere in sight.

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Treasury’s Reliance on Short-Term Debt Exploded in Recent Years

The Bear Traps Report, Dec 20, 2024 – Excerpts:

….We are witnessing a Covid era like spending in 2024 without a pandemic. The Treasury Department has come to rely on short-term bills to fund the government. But with $36Tr of debt, the Treasury has to issue bills almost every day to keep funding the government and to refund maturing debt.

• *CBO data, Bloomberg. The average weighted coupon on the U.S. debt load is about 2.7% vs. over 4.5% for 10-year U.S. Treasuries. As bonds mature, they get refinanced at much higher yields.

$10Tr of Debt Refinancing Next Year – In 2024 Treasury faced around $10Tr of maturing debt. To refinance this debt, it issued a whopping $26Tr of bills and bonds. More than 84% of that paper was short-term bills with a maturity of 6 months or less. Treasury keeps re-issuing bills with a maturity of 4 to 8 weeks or 3,4 to 6 months, which are the most popular maturities in a continuing, ever-increasing roll down of the debt, day after day, month after month.

ALERT – By issuing nearly a colossal load of extremely short-term bills, Janet Yellen succeeded in suppressing bond volatility in an election year and, in our view, strategically placing that bond market volatility into 2025 after the election. You can “why” see above, she wanted LESS long-term paper in circulation markets in the election year.

Now, in 2025 – this paper has to be rolled over and termed out into longer-dated bonds. The USA is behaving like a financially trapped emerging market country. Living on the “front-end” of the yield curve is a VERY dangerous game.  

…..

Never, ever forget that 6% today is equivalent to the destructive capacity of 10% twenty years ago. Interest rates up, mean bond prices down. A 1% move in interest rates higher today is an entirely different, far more lethal equation.

Incoming Stress Points – In 2025 the U.S. Treasury faces $9.6Tr of maturities in their so-called publicly held debt. In Q1 alone — the government faces $5.58Tr of maturities (bonds coming due, redemption), but 86% of those are short-term bills that the Treasury department rolls over into new 4-week, 8-week, 3,4, or 6-month bills, among others. 

As a result, almost daily bill auctions are coming to a theater near you, as the Treasury Department mindlessly keeps pushing new paper into the market to pay back the colossal amount of maturing debt.

…..

One big bullish catalyst for treasuries would be a regulatory change to exempt treasuries from the Supplemental Leverage Ratio (SLR). It is unclear if and when this would be implemented, although Bessent was hinting at regulatory relief for banks to boost banks’ treasury holdings. Exempting treasuries allows banks to hold more Treasuries on their balance sheets without needing to hold additional capital against them, freeing up the capacity for banks to participate more actively in the Treasury market. Its unclear how much treasury demand that would create, but in 2021, when the temporary SLR exemption was reinstated after COVID, prime dealers reduced their Treasury holdings from $250bl to $125bl in 2 months. A change in the SLR ratio may come but is going to take months before the rules are changed. A phase-out of QT for treasuries would be a more immediate, albeit more modest, relief for the bond market. According to this timeline, the Fed will end up buying $100bl of treasuries in 2025, a big change from the $500bl of treasury sales in 2024.

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The Leviticus 25 Plan’s massive debt elimination plan will immediately:  1) Generate a series of annual Federal budget surpluses, along with State and Local government surpluses;  2) Reduce fraud and waste across many of government’s social insurance sectors;  3) Restore real financial security for millions of American families, rekindle the spirit of self-reliance, and scale back out-of-control entitlement spending;  4) And generate a long-term economic growth cycle that would benefit all Americans, and especially the 33.2 million small businesses across the U.S..

The Leviticus 25 Plan would generate a literal gusher of money flowing into the banking system, through a massive satisfaction of private sector debt (mortgage debt, student loan debt, household debt, auto loans, credit card debt). Banks would inevitably increase their competitive bidding activities at U.S. Treasury auctions – driving Treasury rates down via free market dynamics.

The Leviticus 25 Plan would allow the Fed to adjust interest rates a function as free market dynamics and price discovery dictated, rather than depending upon complex timing models amid political pressures.

Higher rates would allow savers to earn millions of dollars in additional interest. It would help curb interests in ‘fast money’ and speculation within the economy, and it would decrease the likelihood of new ‘bubbles’ popping up in financial markets.

The Leviticus 25 Plan will pay for itself entirely over a period of 10-15 years.

The Leviticus 25 Plan is loaded up and ready to launch.

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“He who will not apply new remedies must expect new evils.” – Sir Francis Bacon

The Leviticus 25 Plan is a dynamic economic initiative providing direct liquidity benefits for American families, while at the same time scaling back the role of government in managing and controlling the affairs of citizens.  It is a comprehensive plan with long-term economic and social benefits for citizens and government.

The inspiration for this plan is based upon Biblical principles set forth in the Book of Leviticus, principles tendering direct economic liberties to the people.

The Leviticus 25 Plan – An Economic Acceleration Plan for America

$95,000 per U.S. citeizen – Leviticus 25 Plan 2026 (41920 downloads )

An important perspective, in light of the U.S. Treasury’s exploding budget deficits, economic stagnation, and financially-strapped working class Americans – and the Fed’s recently announced ‘QE Lite’ Reserve Management asset purchases…

A Look back…

The Federal Reserve’s ‘secret liquidity lifelines’ for major banks 2008-2010:

Bloomberg LP filed a Freedom of Information Act (FOIA) lawsuit on Nov 7, 2008 to gain access to information regarding special emergency lending programs that the U.S. Federal Reserve had been running to help borrower banks deal with cash shortages and collateral deficiencies. The Fed fought the lawsuit, but ultimately lost.

Bloomberg gained access to more than 29,000 pages of previously secret loan documents and Fed spreadsheets, and published the highlights of those programs in late 2011.
According to Bloomberg, the top 15 recipients of Fed’s ‘secret liquidity lifelines’ were the very firms that in large part precipitated the great financial crisis with their subprime lending gambits and insufficient risk management strategies:

Morgan Stanley $107 billion
Citigroup Inc. $99.5 billion
Bank of America Corp $91.4 billion
Royal Bank of Scotland Plc $84.5 billion
State Street Corp $77.8 billion
UBS AG $77.2 billion
Goldman Sachs Group Inc. $69 billion
JP Morgan Chase & Co $68.6 billion
Deutsche Bank AG $66 billion
Barclays Plc $64.9 billion
Merrill Lynch & Co Inc. $62.1 billion
Credit Suisse Group AG $60.8 billion
Dexia SA $58.5 billion
Wachovia $50 billion

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The Fed ‘flooded’ the financial coffers of these major U.S. and foreign banks (with U.S subsidiaries) with trillions of dollars in direct cash transfers, credit guarantees, and balance sheet transfers of (often ‘sewage grade’) agency debt and MBS – and the principles of those institutions ended up making out very well.

None of them took a haircut

Meanwhile, U.S citizens out in Main Street America did not fare so well… There were severe financial dislocations.

8.7 million Americans lost their jobs during the financial crisis years.

4.1 million American families lost their homes through completed foreclosures from September 2008 through December 2012, according to CoreLogic.

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It is now perfectly evident, here in ‘Round 2,’ that the Fed’s massive 2008-2010 liquidity transfers to Wall Street’s financial sector did not secure any measure of long-term financial security for America.

Long-term financial security will be a reality only when the foundation of our economy, U.S. citizens themselves – those at ‘ground level’ who make the economy work – is financially sound.

It is entirely within our power to secure America’s foundation for the future. It must come through through massive ‘ground level’ debt elimination, extraordinary reductions in dependence on government, healthy and durable economic growth, an unprecedented reduction in the debt profile of federal, state and local government entities, and economic liberty for all Americans..

Main Street America Republicans have a plan to correct these ongoing financial security issues and get America back on track.

The Leviticus 25 Plan is a dynamic economic initiative providing direct liquidity benefits for American families, while at the same time scaling back the role of government in managing and controlling the affairs of citizens.  It is a comprehensive plan with long-term economic and social benefits for citizens and government.

The inspiration for this plan is based upon Biblical principles set forth in the Book of Leviticus, principles tendering direct economic liberties to the people.

The Leviticus 25 Plan – An Economic Acceleration Plan for America

$95,000 per U.S. citizen – Leviticus 25 Plan 2026 (41917 downloads )

Headlines…

US Businesses Are Going Bankrupt At An Absolutely Blistering Pace

Our society is changing at a pace that is difficult to comprehend…  DEC 5, 2025

……….

Small Business Job Losses Soar In November; ADP

That is the biggest monthly job loss since March 2023.  DEC 3, 2023

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Food Banks All Over The US Are Being Overwhelmed By A Tsunami Of Hungry People …experiencing a dramatic spike in demand “long before the shutdown ever happened”…  NOV 7, 2025

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Stagnation …

Also note: lower GDP growth means lower Treasury receipts, lower payroll tax revenues and more stress on the Medicare and Social Security Trust Funds…

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Federal Reserve’s latest consumer credit report (G.19):

Finally… banks continue to bleed US consumers dry: at the start of 2025 the average rate on credit card accounts was 22.80%… and on Sept 30 the number was higher at 22.83%, just barely below the all time high of 23.37% set one year ago.

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The Leviticus 25 Plan solution

Quantitative Easing (QE) is a Fed monetary tool used to restore liquidity in a troubled banking system, as when banks fall below their capital requirements through practices like loading up balance sheets with sewage-grade subprime debt delivered up the line from the mortgage broker casino system, aided and abetted by fake AAA credit ratings on their bundled security packages, topped off with gross incompetence / ignorance in properly assessing counter-party risk in their hedging strategies.

The Great Financial crisis (2007–2009) which followed “created the largest economic upheaval in the United States since the Great Depression of the 1930s… At eighteen months, from December 2007 to June 2009, it exceeded the sixteen-month recessions of 1973–1975 and 1981–1982; the average period from peak to trough of post–World War II recessions was 11.1 months… both GDP and number of jobs declined by about 6 percent and median family incomes declined by about 8 percent. The Great Recession was particularly worthy of its name because of the protracted slump in employment that followed even after the recession was officially over, as assessed on the basis of the dating procedure of the National Bureau of Economic Research.¹“

By some estimates, over 30 million working Americans lost their jobs; over 3.8 million families lost their homes.

QE has done nothing to reduce public and private debt, or restore financial security for millions of American families or strengthen our country’s economic system.

It is now time for a major reset involving a Fed-Treasury Quantitative Re-targeting (QR) facility – with direct liquidity flows to all of America’s hard-working, tax-paying U.S. citizens who qualify and wish to participate.

The Leviticus 25 Plan is a dynamic economic initiative providing direct liquidity benefits for American families, while at the same time scaling back the role of government in managing and controlling the affairs of citizens.  It is a comprehensive plan with long-term economic and social benefits for citizens and government.

The inspiration for this plan is based upon Biblical principles set forth in the Book of Leviticus, principles tendering direct economic liberties to the people.

The Leviticus 25 Plan – An Economic Acceleration Plan for America

$95,000 per U.S. citizen – Leviticus 25 Plan 2026 (41141 downloads )

Main Street America Republicans have the plan to end America’s mushrooming budget deficits, restore financial security for millions of American families, and rejuvenate free market dynamics and reignite a legitimate long-term economic growth cycle.

It is a plan which will put an end, once and for all, to Congress’ divisive budget charades and debt-exploding, economy-ravaging outcomes.

“You never change things by fighting the existing reality. To change something, build a new model that makes the existing model obsolete. –R. Buckminster Fuller

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Politico: The next shutdown threat is around the corner

Most of the federal government will continue running on autopilot through Jan. 30, setting up another showdown.

By Jennifer Scholtes, Katherine Tully-McManus and Jordain Carney

Published Nov 13, 2025 – Excerpts:

The longest shutdown in U.S. history is ending. Yet Congress’ most onerous government funding work remains unfinished — setting up a potential repeat early next year.

The bipartisan deal to end the funding lapse includes a long-term agreement on just three of the dozen bills lawmakers need to finish each year to keep cash flowing to federal programs. And those three measures are some of the easiest to rally around — including money for veterans programs, food aid, assistance for farmers and the operations of Congress itself.

Together, they represent only about 10 percent of the roughly $1.8 trillion Congress doles out each year to federal agencies. Under the deal, everything else is funded on a temporary basis through Jan. 30 at levels first set by Congress in March 2024, when Joe Biden was president.

That leaves behind major open decisions about the vast majority of discretionary dollars — including for the military and public health programs — along with the stickiest policy issues. It doesn’t help that House and Senate leaders still haven’t agreed on an overall total for fiscal 2026 spending, amid GOP divisions over how deeply to cut.

House Majority Leader Steve Scalise acknowledged this month that the hardest part of the funding negotiations is ahead after President Donald Trump signs the current deal to end the shutdown.

“We’ve got to just find a resolution to get the lights back on,” Scalise said. “But the real negotiation is going to be: Can we get an agreement on how to properly fund the government with individual appropriations bills, packages of appropriations bills?”

If lawmakers don’t figure it all out by the new January deadline, Congress risks another partial shutdown or running most of the federal government on what are essentially two-year-old budgets. Some Democrats are already hinting they are willing to shut down the government again without a deal on Affordable Care Act insurance subsidies that expire at the end of this year.

Compounding the challenge are fears that partisan strife during the six-week shutdown will only complicate the already-grueling task of striking a cross-party compromise.

In the Senate, leaders have committed to quickly advancing more funding measures. Majority Leader John Thune said senators would be “off to the races” on a second package of spending measures when the chamber gavels back in Tuesday.

Up to five bills are under consideration for inclusion in that package, covering funding for the military and the departments of Education, Commerce, Labor, Health and Human Services, Justice, Transportation, Interior and Housing and Urban Development.

Getting that done will be hard enough. All 100 senators would have to consent to quickly assemble the bills on the floor, likely followed by weeks of debate before a vote on passage. Then top Senate appropriators would need to strike a compromise with their House counterparts.

But the remaining spending bills will be even tougher. Four are so divisive that Senate appropriators didn’t even approve them in committee this summer. Lawmakers in both parties agree it is likely that agencies covered under that slate — among them the departments of Energy, Homeland Security, State and Treasury, including the IRS — will eventually be funded through a stopgap that spans through next September.

Democrats warn that any partisan demands from Trump or hard-liners in the House could deadlock the effort to reach agreements on the nine bills left….

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One thing is for certain as January 30th approaches: contentious and toxic political wrangling over the budget bills. And budget deficits ranging from $1.713 trillion (2026) to $2.531 trillion (2035).

The Leviticus 25 Plan has the vision and the power to overturn the “existing reality” and replace it with “a new model that makes the existing model obsolete.”

The Leviticus 25 Plan is a dynamic economic initiative providing direct liquidity benefits for American families, while at the same time scaling back the role of government in managing and controlling the affairs of citizens.  It is a comprehensive plan with long-term economic and social benefits for citizens and government.

The inspiration for this plan is based upon Biblical principles set forth in the Book of Leviticus, principles tendering direct economic liberties to the people.

The Leviticus 25 Plan – An Economic Acceleration Plan for America
$95,000 per U.S. citizen – Leviticus 25 Plan 2026 (41119 downloads )

Game Over DOGE: US Starts Fiscal 2025 With Record Budget Deficit, Shocking Interest Expense

ZeroHedge, Nov 25, 2025

Excerpts:

…..Earlier today, the Treasury published the October budget data, and it was ugly. Not all of it, mind you: tax receipts were actually quite solid: at $404 billion, consisting of $217 billion in income taxes and $128 billion in social security receipts…

… government revenues were actually a solid 23.7% improvement to the $326.8 billion collected in October 2024. Of course, that includes the now solid monthly contribution from Trump’s tariffs which in October added $31 billion to the tally.

As usual, it was government spending that was the problem again, and at $688.7 billion, or over $22 billion per day, the October total was a 17.9% jump compared to the $584.2 billion spent a year prior. And just when the US was making some modest progress on merging the red (spending) and green (revenue) lines.

The combination of these two numbers resulted in a $284.4 billion deficit for the month of October, which was not only higher than the $257.5 billion deficit last October, but also higher than the record Covid budget buster of $284.1 billion in October 2020! 

And since we are now (only) one month in fiscal 2026, we now have the worst budget-deficit start to a fiscal year in US history.

In other words, no matter what the official line is, DOGE has left the building. 

Taking a closer look at the causes of the October budget-busting deficit reveals the same usual suspects: spending across all major categories increased in October, but the most dramatic one was once again the relentless surge in the gross US interest, which is now a record $1.24 trillion in the last twelve months, and is rapidly approaching social security ($1.589 trillion LTM) as the largest source of government spending. 

And here is the punchline: October gross interest was a record $104.4 billion, the highest for the month on record…

… and at $1.24 trillion in LTM interest expense, it means that 24 cents of every dollar in collected taxes goes to pay interest on the debt. 

Bottom line: after a brief period of irrational hope in early 2025 when Musk’s obsession with DOGE and cutting spending gave the US some hope that there just may some – very painful – way out of this Minsky Moment, we are not only back at square zero one and back on the fast-track to the debt-death of the United States, but the US fiscal picture has never been worse!

No wonder why in a recent public commentary, Musk fully agrees with us: the government is unfixable.

___________________________________________

Mr. Musk is wrong. “Government,” and America’s fiscal failures are indeed “fixable.’

The Leviticus 25 Plan is a dynamic economic initiative providing direct liquidity benefits for American families, while at the same time scaling back the role of government in managing and controlling the affairs of citizens.  It is a comprehensive plan with long-term economic and social benefits for citizens and government.

The inspiration for this plan is based upon Biblical principles set forth in the Book of Leviticus, principles tendering direct economic liberties to the people.

The Leviticus 25 Plan – An Economic Acceleration Plan for America

$95,000 per U.S. citizen – Leviticus 25 Plan 2026 (40947 downloads )

Nearly 1 in 4 American households living paycheck to paycheck, report reveals

Lower-income families hit hardest as inflation grows faster than wages, Bank of America Institute data shows

By Eric Revell FOXBusiness

Excerpts:

The Bank of America Institute report found that almost 24% of households would be classified as living paycheck to paycheck so far in 2025, an increase of 0.3 percentage points from 2024 – although the growth rate is nearly three times lower than it was a year ago.

It defines living paycheck to paycheck as households spending over 95% of their income on necessities like housing, groceries, gas, utilities, internet plans, public transit and childcare. That leaves them with little or no leftover funds for savings or “nice-to-have” discretionary purchases. 

“Although the number of households living paycheck to paycheck is increasing this year, the pace of growth has slowed significantly,” Joe Wadford, an economist at the Bank of America Institute, told FOX Business. “That’s because it seems like a lot of the financial stress that has been increasing has been concentrated in these lower-income households as these families struggle to keep up with cost increases.”

Inflation has grown faster than middle- and lower-income households’ after-tax wages since January 2025, the Bank of America Institute found. 

That trend has led to the share of lower-income households living paycheck to paycheck rising to 29% this year, from 28.6% last year and 27.1% in 2023. Among middle- and higher-income households, there has been little to no increase in the proportion living paycheck to paycheck.

“For middle- and lower-income households, I think inflation is the primary driver. Especially this year, we’ve seen the gap between wages and expenses continue to widen for lower-income households,” Wadford said….

The report also found that wage growth for lower-income earners has been easing compared to higher-income counterparts since the start of 2025, after it rose faster in 2021-22, before cooling in 2023-24….

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The Leviticus 25 Plan will lower the cost of living and relieve financial distress for millions of working, tax-paying American families through wide-ranging debt elimination dynamics and the billions of dollars in monthly savings in interest-related debt servicing obligations.

The Leviticus 25 Plan will grant direct liquidity transfers to qualifying U.S. citizens through a Fed-U.S.Treasury based Citizens Credit Facility – in the same way that it provided direct liquidity transfers to major Wall Street global financial institutions during the great financial crisis (2008-2010) and the Covid Criiss (2021-2022), that included none other than: Morgan Stanley, Citigroup, Bank of America, JP Morgan, Goldman Sachs, State Street, AIG, Merrill Lynch, Royal Bank of Scotland (RBS), Barclays, UBS, Deutsche Bank, BNP Paribas, and others…

The Leviticus 25 Plan is a dynamic economic initiative providing direct liquidity benefits for American families, while at the same time scaling back the role of government in managing and controlling the affairs of citizens.  It is a comprehensive plan with long-term economic and social benefits for citizens and government.

The inspiration for this plan is based upon Biblical principles set forth in the Book of Leviticus, principles tendering direct economic liberties to the people.

The Leviticus 25 Plan – An Economic Acceleration Plan for America

$95,000 per U.S. citizen – Leviticus 25 Plan 2026 (40818 downloads )

Visualizing The World’s $111 Trillion In Government Debt In One Giant Chart

ZeroHedge, Nov 17, 2025 – Excerpt:

While global public debt is lower than pandemic highs in real terms, it remains stubbornly elevated at $111 trillion.

This graphic, via Visual Capitalist’s Dorothy Neufeld, shows world debt by country in 2025, based on data from the IMF’s latest World Economic Outlook.

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America’s debt burden exceeds $38 trillion in 2025, standing at 125% of GDP.

Over the past five years, net interest payments on the national debt have nearly tripled. They are projected to double again by 2035 to reach $1.8 trillion per year.

With $18.7 trillion in debt, China ranks in second. In 2025, debt expanded by almost $2.2 trillion, driven by government stimulus and weaker land revenues given a struggling property market sector.

As we can see, Japan follows next with a $9.8 trillion debt pile, equal to 230% of GDP. Even though debt remains sky-high, the country’s new prime minister, Sanae Takaichi, is proposing $92.2 billion in stimulus spending and subsidies.

The UK and France round out the top largest debt burdens, both hovering near $4 trillion. France, in particular, has experienced significant political instability amid contentious budget cut proposals, cycling through five prime ministers over the past two years.

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According to the U.S. Government Accountability Office (GAO) February 2025 report, The Nation’s Fiscal Health, “The federal government is on an unsustainable fiscal path that poses serious economic, security, and social challenges if not addressed.”

“Publicly held debt is projected to grow more than twice as fast as the economy, reaching 200% of the size of the economy by 2047.”

Perpetually rising debt as a share of GDP is unsustainable. It has many direct and indirect implications for the economy, American households, and individuals. Risks include slower economic growth and increased chances of a fiscal crisis.

Debt Held by the Public Projected to Grow Faster Than GDP

The Government’s Borrowing Costs Are Increasing Dramatically

The government’s annual spending on net interest has more than tripled since 2017, when it was $263 billion. Spending on net interest in fiscal year 2024 exceeded spending on some of the largest categories of federal spending, including Medicare and national defense—and is projected to grow.

Annual Net Interest Spending as a Share of Gross Domestic Product, Actual and Projected

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There is precisely one comprehensive economic acceleration plan in America with the raw power to reign in our nation’s runaway debt, revitalize economic growth, and restore financial security for millions of hard-working, tax-paying families.

The Leviticus 25 Plan is a dynamic economic initiative providing direct liquidity benefits for American families, while at the same time scaling back the role of government in managing and controlling the affairs of citizens.  It is a comprehensive plan with long-term economic and social benefits for citizens and government.

The inspiration for this plan is based upon Biblical principles set forth in the Book of Leviticus, principles tendering direct economic liberties to the people.

The Leviticus 25 Plan – An Economic Acceleration Plan for America

$95,000 per U.S. citizen – Leviticus 25 Plan 2026 (40406 downloads )

The Federal Reserve bailed out Wall Street financial firms (domestic and foreign) during the great financial crisis (2008-2010), to include: Morgan Stanley, Bank of America, Citibank, Goldman Sachs, JP Morgan, Merrill Lynch, AIG, State Street, UBS, BNP Paribas, Barclays, Deutsche Bank, Royal Bank of Scotland, and many others.

The Fed again stepped in to flush many of the same financial institutions with liquidity during the Covid crisis (2021-22).

It is now time to grand U.S. citizens the same direct access to liquidity that was so generously doled out to Wall Street.

It is now time to restore financial order in America: The Leviticus 25 Plan

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Americans report strain from so reasing household debt

Total household debt increased to $18.59 trillion in the third quarter of 2025, or $990 billion below the all-time 2008 high of $19.57 trillion.

By Elyse Apel | The Center Square | Published: November 12, 2025

More than half of U.S. households say they’re struggling with debt, according to a new WalletHub survey.

Total household debt increased to $18.59 trillion in the third quarter of 2025, which is $990 billion below the all-time 2008 high of $19.57 trillion.

Still, debt is steadily rising for many, with more than two in five people expecting their household debt to increase in the next 12 months.

Chip Lupo, a writer and analyst for WalletHub, told The Center Square in an exclusive interview that the survey’s findings are very concerning.

“What stood out most to me about this survey is just how deeply Americans feel the weight of debt; not just financially, but emotionally and physically,” Lupo said. “More than half of households report struggling with debt; 36% feel ‘owned’ by credit card companies; and 38% say it affects their health. This combination of financial strain and personal stress is striking.”

The recently-released survey was done in conjunction with WalletHub’s Household Debt Report, which examined the latest economic data from the third quarter. Notably, the report found that the average American household had:

• $108,425 in mortgage debt

• $3,500 in home equity lines of credit debt

• $13,727 in auto loan debt

• $13,711 in student loan debt

• $10,227 in credit card debt

• $4,562 in other debt, which included personal loans and other financing

The survey sought to put these findings from the report in context. Across the nation, it found that American families are drowning in debt.

In total, 56% said their household is struggling with debt. Many don’t see an end in sight, with 46% anticipating they will still have debt when they die.

Credit card debt is causing the most strain for families, the survey found. In total, 46% of American households reported struggling with credit card debt the most, followed by mortgages at 23% and student loans at 13%.

Many pointed to high inflation and an ever-increasing cost of living as playing a role in their increasing debt.

“High inflation is seen as the primary driver of rising debt, and nearly half of Americans expect to carry debt to the grave,” Lupo said. “These figures highlight how critical it is for consumers to track their net worth and actively manage debt, especially credit card balances, as the survey shows that this is the most common source of financial stress.”

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Where US Families Are Most Strained By Debt

ZeroHedge, Nov 01, 2025

Excerpt:

Americans are always worrying about debt: their own and their government’s.

This visualization, via Visual Capitalist’s Pallavi Rao, maps each state by their household debt-to-income ratios (DTI) in Q1, 2025, revealing which states carry the heaviest burdens and which ones keep borrowing in check.

Data for this visualization comes from the Federal Reserve. The highest ratio is visualized per state.

ℹ️ Debt includes mortgages, autos, credit cards, etc., and excludes student loans. Income is based on unemployment insurance-covered wages, as reported to the Bureau of Labor Statistics.

Which States Carry the Most Debt?

Two states share the top spot: Idaho and Hawaii both post a DTI of 2.06, meaning households owe just over twice their annual after-tax income.

Rank	State	State Code	Debt-to-Income Ratio (2025)	Debt-to-Income Ratio (1999)	1999–2025 Change
1	Idaho	ID	2.06	1.50	0.56
2	Hawaii	HI	2.06	2.06	0.00
3	Arizona	AZ	1.84	1.40	0.44
4	Colorado	CO	1.84	1.40	0.44
5	Utah	UT	1.84	1.40	0.44
6	Maryland	MD	1.84	1.72	0.12
7	South Carolina	SC	1.72	1.32	0.40
8	Nevada	NV	1.72	1.40	0.32
9	Oregon	OR	1.72	1.40	0.32
10	Florida	FL	1.72	1.60	0.12
11	Delaware	DE	1.60	1.11	0.49
12	Montana	MT	1.60	1.32	0.28
13	Rhode Island	RI	1.60	1.32	0.28
14	Virginia	VA	1.60	1.40	0.20
15	California	CA	1.60	1.72	-0.12
16	Wyoming	WY	1.50	1.11	0.39
17	Georgia	GA	1.50	1.24	0.26
18	Maine	ME	1.50	1.24	0.26
19	North Carolina	NC	1.50	1.24	0.26
20	New Mexico	NM	1.50	1.50	0.00
21	Washington	WA	1.50	1.50	0.00
22	Mississippi	MS	1.40	1.11	0.29
23	New Hampshire	NH	1.40	1.24	0.16
24	New Jersey	NJ	1.40	1.24	0.16
25	Tennessee	TN	1.40	1.24	0.16
26	Alaska	AK	1.40	1.32	0.08
27	Alabama	AL	1.32	1.11	0.21
28	Louisiana	LA	1.32	1.11	0.21
29	Oklahoma	OK	1.32	1.11	0.21
30	Vermont	VT	1.32	1.24	0.08
31	Arkansas	AR	1.24	1.11	0.13
32	Indiana	IN	1.24	1.11	0.13
33	Iowa	IA	1.24	1.11	0.13
34	Kentucky	KY	1.24	1.11	0.13
35	Massachusetts	MA	1.24	1.11	0.13
36	Michigan	MI	1.24	1.11	0.13
37	Minnesota	MN	1.24	1.11	0.13
38	Missouri	MO	1.24	1.11	0.13
39	Nebraska	NE	1.24	1.11	0.13
40	South Dakota	SD	1.24	1.11	0.13
41	Texas	TX	1.24	1.11	0.13
42	West Virginia	WV	1.24	1.11	0.13
43	Wisconsin	WI	1.24	1.11	0.13
44	Connecticut	CT	1.11	1.11	0.00
45	District of Columbia	DC	1.11	1.11	0.00
46	Illinois	IL	1.11	1.11	0.00
47	Kansas	KS	1.11	1.11	0.00
48	New York	NY	1.11	1.11	0.00
49	North Dakota	ND	1.11	1.11	0.00
50	Ohio	OH	1.11	1.11	0.00
51	Pennsylvania	PA	1.11	1.11	0.00

…check out Visualizing Government Debt-to-GDP Around the World on Voronoi, the new app from Visual Capitalist.

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The Leviticus 25 Plan is the one and only comprehensive economic acceleration plan in the world with the raw power to eliminate massive tracts of family debt and restore self-reliance and financial security for millions of qualifying American families.

It is also the only plan that can restore financial order within the U.S. federal government and the state governments of all 51 states.

The Leviticus 25 Plan will also generate an average $36.568 billion in federal budget surpluses over each of the first five years of activation (2026-2030) – versus projected $2 trillion deficits.

The Leviticus 25 Plan – An Economic Acceleration Plan for America

$95,000 per U.S. citizen – Leviticus 25 Plan 2026 (40186 downloads )