Photo of a pile of American dollar bills
Marcellus Phillips writes about financial struggles in the United States. Photo courtesy of

One thing in life everyone has in common is the want and need for wealth. As a child, my mother made sure we had what we needed and taught us to prioritize what’s needed before what is only desired.

I remember and live by these lessons personally. But it seems like our government does not prioritize our needs versus our wants.

In our society, the bigger you are, the less you have to worry about. The executives of our biggest corporations make more for doing less while the workers at the bottom struggle and stress just trying to pay their bills and survive.

Most people will tell you to go to college. They’ll tell that it will be easier for you to get a job and gain stability. They’ll tell you that is the way to be successful. But now days getting a degree means creating substantial debt for yourself.

And I think taking on personal debt is a risky choice to make when, earlier this year, the United States’ national debt climbed higher than it has ever been, now more than $22 trillion dollars. And economists only see this getting worse. Meanwhile, as prices go up for housing, food, and all our essentials, it makes it difficult to save and purchase a home or secure your future and living situation.

The American dollar is silently putting its citizens at risk. What’s going to happen if other countries choose not to accept the U.S. dollar as payment? As our debt gets larger and larger, and no one seems to know how to stop it, I worry many people will be left jobless and homeless.

But I also see options that can help you make money and save money of true value. One is to invest in physical assets, such as silver and gold. The other is to invest in cryptocurrency. And doing both would be the wisest choice in my opinion.

The average person doesn’t even use the physical dollar anymore. We rely on credit and the banks’ digital transactions. But how much faith can you really put in a centralized system like that if the dollar fails and the banks go under?

And how fair is it that we have to worry about that? The government requires us to pay our taxes on time and in full. Yet they’re not prioritizing this deficit enough to move it in the right direction, or event working together enough to avoid a government shutdown when developing the budget.

I’m not saying everyone in power abuses it. But at the same time, if the country is really in this much financial trouble, how are most officials taking private cars — or at least an Uber — while I’m stuck bus-hopping.

When this bubble does burst, the Donald Trumps of the world won’t be affected by it the same way the people like you or I will.