• 90% of Americans have some sort of debt, especially people ages 30 to 59 who have kids.
• Total U.S. household debt reached $18.2 trillion in 2025, setting a new record, and is up $4.6 trillion since 2019. This includes:
  • $12.80 trillion in mortgage debt
  • $1.64 trillion in auto loans
  • $1.63 trillion in student loans
  • $1.18 trillion in credit card balances
  • Source (American Household Debt: Statistics and Demographics)
• 78% of Americans would face financial hardship if their paycheck were delayed by just one week. This reflects a 6% rise from 72% in 2022, indicating a growing number of people are living paycheck to paycheck. (source: Survey Reveals Six Percent Increase in Americans Living Paycheck to Paycheck in Just One Year)
• Financial stress is a major factor in divorce, with 36.7% of individuals citing it directly and at least one partner in 55.6% of couples identifying it as a key contributor. (source: Reasons for Divorce and Recollections of Premarital Intervention: Implications for Improving Relationship Education - PMC)

We want you free!  Forward Financial Group produces a written plan for people to be out of debt in five to seven years, including their mortgage, usually without changing their current income. We’ve found that 4 out of 5 households can be free from this bondage in five to seven years with some strategy changes. Imagine being free to dream again and no longer limited by your debt.