What a Debt Crisis Means for Your Legacy
“A good man leaves an inheritance to his children’s children.” — Proverbs 13:22
But what happens when the ground beneath that inheritance—our national economy—is cracking under the weight of runaway debt?
The Debt Train Is No Longer Coasting—It’s Barreling downhill
Fresh analysis shows the federal government now borrows almost $1 trillion every 100 days just to keep the lights on. ZeroHedge The Congressional Budget Office (CBO) projects net-interest costs will hit $952 billion in 2025 and top $1 trillion in 2026, overtaking every program except Social Security. Peterson Foundation Bipartisan Policy Center
Worse, those interest payments have already surpassed annual defense spending—a first in modern U.S. history. Forbes Taxpayers for Common Sense In other words, America now spends more to service yesterday’s promises than to defend tomorrow’s security.
Debt’s Hidden Tax on Families
When Washington can’t—or won’t—curb spending, it has only three levers:
- Raise visible taxes.
- Issue more debt.
- Print the shortfall through inflation.
All three siphon purchasing power from households, erode retirement nests, and push market volatility higher. It is, quite literally, a wealth-transfer from future generations to today’s political expediency.
A nation that cannot steward its capital cannot safeguard its legacy.
Washington’s Disorder ≠ Your Destiny
At 1322 Legacy Strategies we refuse reactionary financial planning. Instead, we anchor families in stewardship principles that transcend political cycles:
This is not theory. It’s the exact framework endorsed by retirement-research titans like Wade Pfau, Michael Finke, and Tom Hegna, who each demonstrate how shifting from at-risk accumulation to contractually guaranteed cash-flow reduces “sequence-of-returns” risk and preserves optionality for heirs.
Roots, Not Panic: Preparing for the Coming Fiscal Storm
History is clear: governments can print currency, but they cannot print wisdom—or legacy. Market corrections, policy missteps, even downgrades like Moody’s recent action are outside your control. Reuters Your response is not.
Now is the moment to:
- Stress-test your retirement income against higher taxes and lower growth.
- Shift a portion of “maybe money” (assets that might be there) into “will-be money” (assets with contractual guarantees).
- Establish a personal banking system that lets you borrow from yourself instead of from a volatile marketplace.
- Craft an estate blueprint that turns today’s dollars into multigenerational impact—regardless of Washington’s balance sheet.
Lead, Don’t Follow
A financial storm is brewing, but storms reveal deep roots. Let’s make sure your capital isn’t lashed to a reckless system, but planted in soil that will feed generations.
Control your capital. Build your legacy.
Ready to steward your wealth with vision rather than reaction? Schedule a discovery call and take the first step toward a strategy that outlives you—in the best possible way.
