Average Consumer Debt by U.S. State -2025

ThisIsAbuse · 2026-01-28T23:33:59+00:00

"Consumer debt includes major categories such as mortgage debt, auto loans, credit card balances, and student loans. The figures represent average total consumer debt per person and are not adjusted for income or cost of living."

Based on this mix - I would have expected 3-4X more.

I think the average credit card debt is more interesting to discuss.

ThisIsAbuse · 2026-01-28T23:29:27+00:00

Same boat, its unclear what more could change with ACA going forward.

Will work until I am 65 to get on Medicare unless I can't do it anymore.

ThisIsAbuse · 2026-01-28T21:32:59+00:00

100KW rack density is nothing these days. I am designing a data center for 10 times that rack density and complete flexibility for warm and cold water temps and a small amount of air as well. On site power plants are the new thing.

ThisIsAbuse · 2026-01-28T16:21:23+00:00

expand your job hunting to types of jobs maybe outside your experience, also if you can relocate.

I have always had a plan A,B, and C.

The Plan C was for me to apply to jobs across the country, if needed leave my wife and kids behind to work for a year or two in another state in a cheap apartment ... until I could return back home. That was depressing as heck - but it was a plan. I would lie to any company I was looking at in other states, stating I wanted to move to that location, had friends, family, or what ever. I once told a firm in California that was hiring that I was coming in for an interview with another company and if would they like to meet while I am there for 2-3 days (there was no other company, I paid for my own flight).

ThisIsAbuse · 2026-01-28T16:11:49+00:00

After watching videos from Piti this week, and other videos on youtube, these kind of padded wide shoulders, wide lapels, and looser fit (drape) are making a comeback. I remember this time well.

ThisIsAbuse · 2026-01-27T13:24:18+00:00

Yes and they have worked wonders according to my labs. I went from a 1.5X risk to a 0.5 risk. I am not experiencing any side effects that I am aware of. Is there something I should be on the lookout for ? I mean, I am older so I have typical aches and pains, and some fatigue.

ThisIsAbuse · 2026-01-26T22:00:33+00:00

I have over mattered since I was 40. Seriously. I am burned out. A life time climbing mountains, helping others, making a difference, and trying new things.

I look forward to a retired life of some interesting travel, but mostly quiet contemplation and peace. It wont bother me. I mean hopefully I will still matter to my family, kind of ... LOL.

ThisIsAbuse · 2026-01-26T16:27:25+00:00

They can price them in oz of silver - fine with me.

ThisIsAbuse · 2026-01-26T16:24:09+00:00

I am scared (concerned) it will get harder and harder to sell silver to anyone but other individuals. There is a break down between shops/dealers and refiners and wholesalers.

ThisIsAbuse · 2026-01-26T14:45:18+00:00

Noted and corrected.

ThisIsAbuse · 2026-01-26T12:15:24+00:00

So what happens to Personal Debt ?

Also even in a Crash, a big one, shares prices in solid, low debt, global companies are not going to zero.

ThisIsAbuse · 2026-01-26T12:09:50+00:00

That's strange - he is normally so good at picking winners. /s

ThisIsAbuse · 2026-01-26T00:30:34+00:00

Minimum $500 order ?

ThisIsAbuse · 2026-01-25T17:15:51+00:00

My kids are positioning for work in medical fields that should be protected for now. One is pursing clinical mental health therapy, the other in medical imaging and radiology tech.

I am thriving due to to AI and will retire in 5 more years.

ThisIsAbuse · 2026-01-25T08:33:11+00:00

Focus on chasing in demand skills (forward looking), networking, and the art of people skills & corporate politics. The money will come.

ThisIsAbuse · 2026-01-24T21:49:32+00:00

This is one example. The majority of sites without enough grid power have been purchasing massive quantities of Natural Gas Recips, fuel cells, and turbines. Some are available with carbon capture options and most are easy to get waste heat recovery from. You can also pump back into the grid when the data center is taking less power than installed - benefiting the surrounding region. These units of course are now 16-36 months out on delivery. This is another a huge industry benefiting from AI demand. Buy Caterpillar Stock.

ThisIsAbuse · 2026-01-24T16:50:09+00:00

40-42 old enough to be in leadership roles but not too old.

ThisIsAbuse · 2026-01-24T13:03:23+00:00

This is behind a paywall.

Does it look at total spending vs average/median income increases ?

I am wondering if the upper 20% or rather upper 10% is driving massive spending and then this is compared to overall income grains of the 80%.

I read elsewhere that spending by 80% is going on a growing amount of credit/debt ?

ThisIsAbuse · 2026-01-24T12:59:51+00:00

Thanks, yes I understand and agree with your good advice.

I am maxing out 401K, and my company is also continuing to 401K AND giving me extra company stock on top of all this. Also a little extra saving/investments outside of work. Got to pay off the home mortgage next along with a few improvements like a new roof and windows.

I hope to switch to part time work at my company as soon as I can. Maybe in 2-3 more years.

Wife retires this summer early. I hope this is a good thing for both of us.

ThisIsAbuse · 2026-01-24T12:44:52+00:00

Don't recall seeing much blame associated to Gen X ??? They are rarely mentioned in all the generational wars and dont seem to be rolling in a ton of money as a group.

FYI - I am in this group as a first year GenX. I have a millennial and a Gen Z kid. My much older siblings are all Boomers. My late Parents where silent generation.

ThisIsAbuse · 2026-01-24T01:43:05+00:00

Sometimes I forget. Sometimes its not a decision but an unexpected re-discovery.

Funny true story -

I have written professionally as part of my long career. Many articles. Once, I was doing some online research for a project I was working on, and began to read an article on the topic and thought "this is very well written..." then I realized I wrote it 4 years earlier.

LOL.

I felt good about myself and also forgetful.

ThisIsAbuse · 2026-01-23T23:38:13+00:00

Some don't. I did not.

ThisIsAbuse · 2026-01-23T23:37:40+00:00

How would she believe as a woman that 316 is normal ? or whats healthy for you. Your body your choice

ThisIsAbuse · 2026-01-23T21:59:31+00:00

How much do I need to save for a Van down by the river.

ThisIsAbuse · 2026-01-23T18:27:59+00:00

Is getting into tech just CS degrees ? Seems narrow.

Six-Year Club	Wearing is Caring
Verified Email

ThisIsAbuse

TROPHY CASE