Household debt continues to hit new highs in the United States across all types of loan categories, with credit card and student loan debt showing some of the biggest gains. Find Out: 4 Moves to Make if You Can’t Pay All Your Bills this Month Read Next: 6 Low-Risk Ways To Build Your Savings in 2025 Here are the best ways to tackle the two biggest forms of U.S. household debt. How U.S. Households’ Debt Has Risen Total household debt climbed to a record $18.59 trillion during the 2025 third quarter, acco ...

个人财务策略 - 报道对象持有大量现金但选择仅对学生贷款进行最低还款 尽管贷款利率为655% 而储蓄账户年利率仅为34% [1][5] - 为筹备2027年婚礼 报道对象调整财务策略 包括出售部分股票和减少退休账户供款 导致目前持有大量现金 [2] - 报道对象考虑用现金提前还清学生贷款以消除月供 从而将 freed-up money 用于婚礼基金 但最终决定维持最低还款 [3][4] 专业财务规划建议 - 多数认证财务规划师建议优先偿还655%利率的学生贷款 因其相当于获得655%的 guaranteed return 高于高收益储蓄账户收益 [5][6] - 以信用卡债务为例 偿还20%利率的1000美元债务相当于获得200美元的年度回报 凸显高息债务优先偿还的收益 [6] 投资市场历史回报对比 - 过去30年间 美国60%股票和40%固定收益投资组合的年化回报率为71% [7] - 100%投资于标普500指数的激进投资组合在过去30年的年化回报率为105% [7]