Hope is 30 in 2047, and the economy is hamstrung in her prime working years. Congress restored Social Security benefits by borrowing from the rest of government, but as a result debt is almost 150% of the economy. Hope just got a new job, but her pay is $5,000 lower than it could have been because of rising debt.
Home and auto loans are more expensive as well because of high interest rates. Hope can expect to pay at least $45,000 more over the course of her $300,000 mortgage. She is struggling to provide for her family.