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Bob Burnett

Bob Burnett

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Who's Afraid of the Big Bad Debt?

Posted: 04/15/11 09:39 AM ET

Last week, I received an angry email accusing me of ignoring the number one political story, "...the USA is broke, and has $14 TRILLION DOLLARS worth of debt!" It wasn't unusual as many Americans are overwrought about the US public debt. Sure, it's a problem but not number one and here's why.

If you and I owed $14,280,782,221,253+ we'd be stressed. But the US isn't an individual, or a corporation, and so there is an imperfect analogy. Imagine that you and I are the only two working members of a family and I lose my job. You continue to work, but we need two incomes to pay our bills so, until I find suitable employment, we borrow against credit cards to meet our obligations. That's roughly the situation the US is in: we have about 15 percent un- or under-employed and, as a result, our tax revenues are down; so we must borrow to make ends meet. (This year's deficit is estimated to be $1.6 trillion running our cumulative debt to more than $14.2T+.)

To complicate the analogy, only 67 percent of the US debt is debt held by the public, the other 33 percent is "Intragovernmental Holdings ...securities held by Government trust funds, revolving funds, and special funds," the most important of which is the Social Security Trust Fund -- in other words money we borrow from ourselves. Of course, families don't have "intragovernmental holdings" but many borrow from family members or friends. Suppose that you have a trust fund you can access only in an emergency; if we borrowed from it because I am unemployed that would be analogous to the circumstances that account for one-third of the US national debt.

Nonetheless, $9.5T is debt in the conventional sense; still a big number -- $31,000 per US resident. $4.5T is owed to foreigners -- for example, we owe the Central Bank of China $1.1T -- and the balance to US entities including the Federal Reserve, state and local governments, mutual funds, and pension funds.

Returning to my analogy, suppose you and I have a combined debt of $62,000 and I cannot find work, what would we do? We might chose to either sell our possessions to pay off our credit cards or put more energy into my finding work.

That brings us to the present political situation where we are faced with two similar stark choices: Republicans want to cut back government in order to pay off the debt and Democrats want to invest more in government to increase employment and thereby raise tax revenues. Before we consider the merits of these alternatives -- debt reduction versus public investment -- let's ponder another consideration, how did this debt accumulate?

If you and I amass a debt of $62,000, entirely because I am unemployed for a lengthy period, we might consider selling our house. On the other hand, if much of our debt accumulated for other reasons -- such as paying the legal expenses for your deadbeat brother after he was arrested for a DUI -- then we might look at the debt in a different light.

It turns out that much of the US debt results from decisions made by our own version of the "deadbeat brother." When Bill Clinton left office, the public debt was $5.73 trillion. When George W. Bush left office, the debt was $10.7 trillion. Under Clinton the US ran yearly surpluses and paid down the debt; under Bush the US ran deficits and ran up the debt. Four Bush programs contributed to the almost doubling of debt: the 2001 tax cuts ($2.48T), the wars in Afghanistan and Iraq (1.12T), the 2003 Prescription Drug Program ($1.1T), and the laissez-faire fiscal policies that produced first the housing bubble and then The Great Recession ($1T+). (Many Liberals believe that most of the $3.5T in US debt accumulated under President Obama is due to the financial legacy of the failed Bush presidency.)

Republicans pretend there is no history behind the US debt; they want the public to believe that the $14.2T was all Barack Obama's fault. Given this false starting point, they ring disaster alarm bells, shout "the USA is broke," and argue the only solution is to massively downsize the Federal government and savage entitlements such as Medicare and Social Security. This tactic serves the conservative objective to "shrink government until it can be drowned in a bathtub;" Republicans are using the debt as an excuse to demolish the US social compact and give free rein to wealthy individuals and corporations.

Let's be clear: the US is not broke. The problems the Obama Administration faces are problems caused by the failed Bush presidency.

Sure, the debt is a problem. But it's not the number one problem facing us, which is how to get America back to work. If we do that and return to a commonsense tax system, where corporations and the rich pay their fair share, then we will once again run annual surpluses and begin to pay down the debt.

 
 
 
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10:33 AM on 04/18/2011
The tax code as we know it is broken. When companies and individuals put more effort into not paying taxes than they do into improving and inventing products and services and to creating jobs you know that something is really wrong with our country.
The wealthy and the politically connected are doing a great disservice to our country and to everyone. Their greed and lack of political will of our government is slowly destroying the country I love and the world as we know it.
JOBS
JOBS
JOBS
WHERE ARE THEY AND WHY ISN'T ANYONE TAKING ABOUT HOW TO CREATE MORE.
The rich don't want to spend or invest their wealth and the government is talking about cutting spending.
HOW IN THE HELL CAN SOMEONE FIND A GOOD PAYING JOB WHEN NO ONE IS CREATING ANY.
02:47 PM on 04/17/2011
This is a decent post, but it misses a few important points.

The analogies need to include that you, who in this story is out of work, is about to retire or perhaps more accurately hit retirement age. This would reflect the demographics of this country and how these debts will need to be transferred to the youth of this nation that is significantly out numbered.

Furthermore to show the future unfunded liabilities you should add that you or your brother just got cancer and large financial help from you for his treatment.

Now how does your debt situation look now? Not so good.

As far as this notion that government needs to spend to help the economy isi a scary one and I don't think very accurate. This notion led to a lost decade-plus for Japan, it has not helped so far with the stimulus (I believe the spending was around $400,000/job "created" which I doubt was returned through taxes).

The CBO and former US Comptroller at the GAO have been urging Congress to fix these entitlement programs and spending for years. The projections are disastrous. We are at the bottom in the world financially from the government.
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evalela
12:08 PM on 04/17/2011
Since the Repubs are taking sides with the rich and want to cut off the needy,they should forgo their paychecks until the budget is balanced and lets see how long it takes to start taxing the rich and eliminate corporate welfare !!!!!!!
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11:08 AM on 04/17/2011
"... the laissez-faire fiscal policies that produced first the housing bubble and then The Great Recession ($1T+)." You first need to look at the Gramm-Leach Act signed into law by Clinton to understand what created the financial mess. Also, the housing bubble was from Greenspan lowering interest rates to help the economy after the attacks on 9-11.
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07:56 AM on 04/17/2011
Thanks for doing the Democrats job in pointing out the issue...people working, receiving full salaries and benefits, paying federal, state and local taxes and consuming goods is the key to paying off the federal debt while at the same time putting money back into State coffers for all the public services we all rely upon. Too bad gomez and his ilk have no clue what they're talking about. Unfortunately, the only way to make him and his friends realize their ignorance is to let them run everything into the ground. Seems it's the only way to make them realize why all the kings men could put humpty-dumpty back together again. And the Democrats will once again have to pick up the pieces of their reckless drive to turn the US into a 3rd rate banana republic.
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4QDC
Bring it on Hoffa!
12:52 PM on 04/17/2011
In the Progressive Hypocrite world, taxing folks to pay federal employees who then in turn pay their own taxes is going to balance the budget. Was math really that difficult? Such views are so mind-numbingly wrong it makes my head explode.

F&F.
07:48 AM on 04/18/2011
Your head must've exploded - do you realize you fanned someone you didn't agree with?
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Kache
Toodlum, wake up, I hear a prowler downstairs
01:04 PM on 04/17/2011
Fanned and Faved!
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HUFFPOST PUNDIT
gomezrules
Why Don't We Do It In The Road?
12:48 AM on 04/17/2011
This wonk might be gunning for a position with the Obama admin, but as the saying goes, concerning his revisionist assertions, "that pig ain't gonna fly'. This guy is guilty of the very same manipulations of the dollar figures as the politicians (from both parties) that got us here. First off, it doesn't matter WHO holds the debt, the fact remains that the taxpayer is on the hook to pay it. Period!

Yes, the national debt doubled under Bush in 8 years, but Obama in just over TWO years has almost matched the 5 trillion spent during the Bush years. And Obama himself admitted yet again in his speech earlier this week that there will be trillion dollar plus deficits under his own plan well into at least the following decade (from 2020 on)! That's HIS debt. Instead of focusing on how to generate jobs, he decided the time was right to saddle the country with yet another entitlement program (I mean, if Bush was wrong to do so with the Medicare Drug Plans, as the author contends, Obama is just as wrong, right?).

I think the Bush admin and the Congress the Republicans controlled made many mistakes in how they handled spending and paying for that spending. But Bush had a ONE TIME trillion dollar deficit that had everything to do with the original stimulus authorizations (under a Dem Congress at that). OBAMA appropriated that money, with no, repeat NO, positive effects for this nation.  Bush also had to contend with the dual realities of the recession that was in effect when he took office, and the 9/11 attacks later that year. And of course, bush decided to fight those who attacked this nation, something Clinton didn't have the spine to do.

But revise away. We expect nothing else form the left these days.
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alexeiz
Since I lost all hope, I feel much better!
12:42 PM on 04/17/2011
You tell the left to "revise". All your post is all based on revisions and distortions, wrong comparisons and misplacing of reasons. Good example of "tunnel" ideological thinking, when the conclusions are coming before facts.
"it doesn't matter WHO holds the debt, the fact remains that the taxpayer is on the hook to pay it." - wrong and addressed in the article. He clearly states what part of the debt the taxpayers are on the hook for - still a lot.

"national debt doubled under Bush in 8 years, but Obama in just over TWO years has almost matched the 5 trillion spent during the Bush years." - fails to tell the the difference in reasons of debt growth under Bush and Obama. Bush inherited prosperity and got into debt to make the rich richer and to fight a stupid war. Obama inherited a disaster and created debt trying to get us out of it - not always successful, but at least justified.

"if Bush was wrong .. with the Medicare Drug Plans, .. Obama is just as wrong, right?" No, it isn't right and the author states a pretty obvious fact that the debt created by Medicare Drug Plan was a handout to (or welfare for) drug companies. Obama's "entitlement" at least is trying to help those in need.

"NO, positive effects for this nation [from Obama's policies]" - not factually correct, putting it lightly.

"bush decided to fight those who attacked this nation" - Iraq attacked our nation"
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4QDC
Bring it on Hoffa!
12:53 PM on 04/17/2011
Blah blah blah. Bush = Bad
Obama = Good
Is your ilk really that blind?
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HUFFPOST PUNDIT
gomezrules
Why Don't We Do It In The Road?
06:02 PM on 04/18/2011
Yes, by all means, let's talk about that "tunnel" ideologica­l thinking!

LOL..Better drink that Kool-Aid before it gets warm..
jerseyjoe99982002
less government means more in my pocket
06:48 PM on 04/16/2011
The premise that Bush was responsible for the housing failure is ludicrous! Barny Frank told us over and over again the Freddie and Fannie were on sure financial footings, and the Dems refused to convene a financial evalaution , despite the request from the Bush Administration. Yes, Bush got us into the second war in Iraq, but now Obama has done the same in Syria. Obama promised to get us out of Iraq. He lied, and we are still there, running up debt. Obama promised to lower unempolyment. He lied. Obama promised us that Obamacare would lower our premiums. He lied. The bottom line is that both parties have lied to us, both parties reaided our SS and Medicare programs, and both partlies lined the pockets of their friends. Corruption is rampant in our government, and we need to remove them all, both Rep and Dem alike. Go Tea Party
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HST
Conservatism = selfishness
07:48 PM on 04/16/2011
"The premise that Bush was responsibl­e for the housing failure is ludicrous! Barny Frank told us over and over again the Freddie and Fannie were on sure financial footings, and the Dems refused to convene a financial evalaution , despite the request from the Bush Administra­tion"

“"Fresh off the false and politicized attack on Fannie Mae and Freddie Mac, today we’re hearing the know-nothings blame the subprime crisis on the Community Reinvestment Act — a 30-year-old law that was actually weakened by the Bush administration just as the worst lending wave began. This is even more ridiculous than blaming Freddie and Fannie."
http://www.businessweek.com/investing/insights/blog/archives/2008/09/community_reinvestment_act_had_nothing_to_do_with_subprime_crisis.html


"Yes, Bush got us into the second war in Iraq, but now Obama has done the same in Syria."

Really? How many troops do we have on the ground in Syria?


" Obama promised to lower unempolyme­nt. He lied."

Bush promised that tax cuts would produce millions of jobs:

"President Bush, once taking account how long he’s been in office, shows the worst track record for job creation since the government began keeping records."
http://blogs.wsj.com/economics/2009/01/09/bush-on-jobs-the-worst-track-record-on-record/


Go Tea Party

The Corporate Lobbyists Behind the Tea Parties

http://www.huffingtonpost.com/jane-hamsher/the-corporate-lobbyists-b_b_186367.html
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gomezrules
Why Don't We Do It In The Road?
12:31 AM on 04/17/2011
Millions of jobs WERE produced during Bush's tenure. The problem is that they were all lost in the latter part of his second term (coincidentally, after the Dems took complete control of the entire Congress, and thus, the oversight responsibilities of the industries that tanked that got us into the present mess that Obama and company have no clue on how to resolve!). That millions of jobs WERE produced is testament to a sound approach and policy that had to contend with the duel disasters of the Clinton recession that was in full swing when Bush took the oath of office, and the 9/11 attacks. The left always conveniently ignores those little tidbits!
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4QDC
Bring it on Hoffa!
12:56 PM on 04/17/2011
"Corruption is rampant in our government­, and we need to remove them all, both Rep and Dem alike. Go Tea Party"

F&F!
I'd fan you a thousand times if I could.
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HST
Conservatism = selfishness
06:36 PM on 04/16/2011
Republicans think that a sensible apprpoach to cutting the deficit is to cut taxes on the rich and big business while slashing spending on social programs and raising military spending.

That's like saying you can solve your personal debt problems by working fewer hours, bringing your lunch instead of eating out and buying a new car.
banana republican
Provoking Progressives with unwelcome perspectives
03:39 PM on 04/16/2011
This teabagger, and I'm sure most others, are just as incensed by outrageous CEO compensations and Corporate profits. The difference is, we're not dumb enough to think that transferring that wealth into the hands of politicians represents a solution. (It would be like taking custody of the hen house away from the fox and giving it to the wolf. The national debt is a pretty good indicator of their financial capabilities.
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JustinP213
I dislike all political parties.
03:48 PM on 04/16/2011
Exactly!! And, I'm not even a member of any political party. It's just obvious.
05:05 PM on 04/16/2011
However, giving it to people who will actually spend it on necessities of living that will serve to keep our market-driven economy thriving would be preferable to just parking it into some overseas bank account to avoid taxes.
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Salty too
2 Timothy 4:1-5
01:04 PM on 04/17/2011
Which would mean letting the people who actualy own the $$$ spend it.
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nkurland
I'm going to leave this planet alive
01:54 PM on 04/16/2011
When the GOP talks about deficit reduction, they have the economic expansion of the 1990's in the back of their head. There were no solid fundamentals driving that expansion. The drop in unemployment and the rise in wages that came along with it were largely a product of the bubble, as were the surging tax revenues.

We aren't going to accomplish anything by cutting the safety net. Social Security and Medicare have combined to lower elder poverty to the lowest rate for any demographic or age group in the country. And these two programs are largely the only two things keeping most seniors above the poverty line.

Just for comparison: in 1960, some 30% of seniors lived in poverty. Today, that figure would be 47% without SS. In 1968, the minimum wage was $10.05 in 2010 dollars; today its $7.25.

The fundamentals of the economy are getting worse, and its in large part due to drastically lower tax rates, which in actuality discourage job creation and negatively effect income growth for the middle and lower quintiles.
jerseyjoe99982002
less government means more in my pocket
06:56 PM on 04/16/2011
What is most damaging to our economy is unfair trading relationships with other courtries. It is not about taxes. Taxes drain wealth cration and job creation. What does drain our ability to grow is that we cannot compete fiarly . The politicians have lined their pockets with money from special interests. We need to be energy independant, and we need to fix our trade laws and treaties. We need to tell other nations, that if they want to sell to us, they better trade with us fairly, or else. Our mfg base is almost gone, and now are service jobs are being moved offshore. Wake up Americal. The politician made this possible by lining their pockets with special interest money and favors. Yes, people like Pelosi and Republicans too, got rich on us
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nkurland
I'm going to leave this planet alive
06:59 PM on 04/16/2011
What I find astounding is that the current WTO rules have created a system where something like 85% of the benefits of free trade accrue to developed nations. As unjust as the system is, you would think we would at least benefit from that somewhat.
12:17 PM on 04/16/2011
IDEOLOGY AND ACTION OF THE BILIONAIRE STRATUM

Tha debt scare is a way for the billionaire oligarchy to destroy whatever collective power the population possesses through elections at all levels and the federal administration.

Anti-debt, free-market ideology, small governement ideology - these instruments fulfill the role of state Marxism in the former Soviet Union.

In the Soviet Union it was a vital matter to keep the nomenklatura in power (until it collapsed), in the US it is esssential for the billionaire stratum continually increase its hold on American society.

The Tea Party, the silent majority, the verbiage surrounding Christian family values are media-impulsed social constructs to further the power objectives of the bilionaire stratum.
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Andrew Locascio
01:46 PM on 04/16/2011
Unlike the former Soviet Union,Andy,this power structure will probably not collapse without major bloodshed. That's what worries me.
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alexeiz
Since I lost all hope, I feel much better!
12:09 PM on 04/17/2011
Thanks for a post that talks about rarely mentioned similarity between Soviet marxism and the present "conservative" ideology. Fanned
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wallyone
12:09 PM on 04/16/2011
History shows that Republican administrations increase the national debt while in charge, and then make it a big and scary issuet after a Democrat is elected president. Carter reduced the debt after Nixon/Ford; Clinton reduced it after Reagan/Bush the first. Now the GOP is making debt a big issue after doubling it under Bush II.
04:37 PM on 04/16/2011
That is called Jude Wanniski's "Two Santa Claus" theory. One party spends like crazy and when out of power, they scream about the debt so social programs have to be cut.
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05:55 PM on 04/16/2011
Before 2009, Reagan held the record for the largest deficit since WW2 at 6.1% of GDP in fiscal year 1983) (Source: cbo 5056) Reagan STILL holds the record for increasing our debt.

Reagan increased our debt an average of 23% yearly...he TRIPLED it from 934B to 2.6T (186%)
Bush increased our debt an average of 11% yearly...he DOUBLED it from 5.7 to 10.6T (86%)
Obama increased our debt an average of 16% yearly from 10.6 to 14T (inherited massive deficits)
Source: US Treasury Dept. (search for "debt to the penny" for proof)

Our debt increased by 3.4 trillion in Obama's first 2 years. Bush's runaway 1.3 trillion deficit added 2.6 trillion and Obama added 787 billion from the jobs stimulus package. Of the 787 billion, one-third of that was tax cuts so Obama actually only had 500 billion in "new" spending.
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wallyone
11:59 AM on 04/16/2011
VP Cheney famously said "Deficits don't matter." And he is still welcomed and fawned over by conservatives. What's up with that???
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Andrew Locascio
01:47 PM on 04/16/2011
It's called corporate hypocracy,Wally. No one does it better then American conservatives.
10:21 AM on 04/16/2011
My wife and daughter have no fear of debt.
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HUFFPOST SUPER USER
ClarcKing
Citizen
08:23 AM on 04/16/2011
America may not be broke, however the world financial system is in disintegration. Hunger, homelessness, foreclosures, bankruptcies, loss of health-care, contraction of production are expanding.

The Inter Alpha Group of Banks and the Wall St. cabal irrationally demand that derivative loses be bailed out, forcing budget cuts and austerity on the population. The US government irrationally obeys. A national security crisis exists in the hyper-inflationary printing of debt money that can never be paid back while deadly contraction of employment and production expands. Political leadership focus on how mush austerity and degradation the population will tolerate.

The United States must stabilize itself, specifically: terminate the monetary financial debt based system by reenacting the Glass-Steagall standard in US banking.Put the Fed into bankruptcy protection, recover the bailout trillions, create the US National government that funds the 50 states, then fund the necessary facilities that enhance the population's standard of living. No other options exist.

Stop Perpetual War it's war conducted against the US.

The US must create the necessary higher order of existence humanity demands via the science driven reorganization of facilities, resources, and infrastructure. This commitment to the redevelopment of the North American continent will employ 7-8 million Americans, reversing our crisis.

Crisis economy formation measures must be implemented now or this great nation is doomed and the slow horrific descent into extinction becomes reality. Political leadership must find its duty and perform or we must make an exit for them. No other options exist.
01:35 PM on 04/16/2011
All this talk of deficits makes me wonder..

There is plenty of money to be gained from rich citizens and corporate tax havens offshore ..

There is plenty of money to be gained from corporate tax loopholes..

If these offshore tax havens and loopholes are allowed to exist that means the ordinary citizen who is unable to hide his money is carrying the load. This means all the tax money is coming up from the bottom where social programs are needed and not down from the top. How about a Trickle up economy instead of Trickle down.

Don’t tell me that there is not enough money for social programs until you stop all the tax money going offshore.
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ClarcKing
Citizen
02:28 PM on 04/16/2011
The deficit debate is hiding a multitude of sins. No one is speaking to the deadly effects of contracting production, useful employment, that actually creates value. Because of "market forces" we do not as a nation produce enough to support the present population. How long can this situation last. No one is speaking to the accelerating collapse of the monetary financial system and the congruent collapse of the population's physical economy.

The citizenry must educate itself to the exact crisis, and create the political power that will support humanity not the debt.

For more info on the economy and the international situation go to the LaRouche PAC web site.