Here's a Credit Avenger–style Skool post revision. Same intelligence, sharper edge, easier to read, built for engagement, The American Debt Map 4 Surprising Truths the "National Average" Hides We hear it all the time: "The average American household has X amount of debt." Sounds official.Sounds comforting.Also… wildly misleading. Debt in America isn't a national story. It's a local battlefield. Here's what the data really shows. Truth #1: The National Average Is Basically Fiction There is no such thing as an “average” debt household. Before the Great Recession, some counties carried more than 3 times their annual income in debt, while others had less than 1 time. Same country. Totally different realities. National numbers smooth out pain. Real people live in ZIP codes. Truth #2: Local Debt Predicts Local Pain High household debt isn't just uncomfortable; it's dangerous. Research shows that areas with higher debt experienced: • larger spending cutbacks • higher job losses • slower recoveries. When families are maxed out, the moment life punches back, the whole local economy feels it. Truth #3: High Debt ≠ Bad Habits Some of the highest-debt states today include places like Hawaii and Idaho. Why?• Expensive housing markets• Fast population growth• New mortgages, not luxury splurges. Debt levels often say more about where you live than how "responsible" you are. Truth #4: Student Loans Aren't Even Counted Here's the part nobody talks about. This data excludes student loans. That means trillions in real-world debt aren't showing up at all. For younger households, especially, the picture is far worse than the numbers suggest. Credit Avenger Takeaway Debt is not a moral Failure. It's math + environment + timing. That's why we don't compare ourselves to national averages here. We build personal strategies that work where you actually live. Drop your state or region in the comments. Let's talk about the real financial terrain you're navigating. One country. Thousands of debt realities. Your plan should match your battlefield.

A pension is powerful, but it was never meant to carry retirement alone. Real security comes from stacking income, planning for inflation, and building a strategy that gives you freedom, not just survival.

We are live in a few minutes for the Credit Avenger answering your credit questions. https://www.skool.com/live/G2dTdjt7P34 Drop your questions below!

Let's give a warm welecome @Coach Damont !!! I had a great chat this morning with him. He runs his own group called DEBT DELETION CLUB™ and I feel his 25 years as a debt collector experience will give you another perspective and insight.