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> Household debt is not at record highs

Ummm, yes it is: https://www.cnbc.com/2018/02/13/total-us-household-debt-soar...

Meh... You have your facts and I have mine... https://fred.stlouisfed.org/series/TDSP and https://fred.stlouisfed.org/series/HDTGPDUSQ163N

Your facts are measuring something different. The first measures the service payments. The second measures debt to gdp. Talk about moving the goal post.

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