Real Data, Real Risk The latest numbers don’t lie—U.S. household debt surged to $18.04 trillion in Q4 2024, marking a $93 billion increase over the previous quarter. Even more alarming? Credit card balances alone jumped by $45 billion, reaching an all-time high of $1.21 trillion, according to the Federal Reserve Bank of New York. And delinquencies? They’re creeping up fast. …