The Department of Government Efficiency (DOGE) and the national debt are front and center. But is efficiency even possible with $36.5 trillion on the books? With debt service now consuming a growing share of GDP, what does this mean for retirement planning and long-term financial security? In this episode, we break down the economic reality facing today’s savers, why blind trust in government spending won’t cut it, and how smart investors can adapt to the shifting landscape. Plus, a look at AI’s growing role in financial planning and whether ETFs can replace high-yield checking.