Tides of Credit
Most Americans, and people across the planet, have been trained by a financial system where borrowing costs became perpetually cheaper. If you got into a pinch, you could refinance your mortgage, with more agreeable terms, and quickly increase your cash flow.
Finance
You could also pull out some equity and upgrade your kitchen, pay off your credit cards, take a vacation, or play in the stock market. What a delight.
If you took out a mortgage, expanded a business, or looked at a government balance sheet anytime between the Reagan administration and the dawn of the 2020s, the wind was firmly at your back. Biting off more than you…
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