The money you have now, doesn't buy as much as it used to.
Government finances itself in three ways, it taxes, it borrows, and it inflates.
The first two are pretty simple and straight-forward.
The last one is often misunderstood.
He's how inflation is created, "We're going to print some extra money that's going to pay for government programs," says Tim Nash, professor of economics at Northwood University.
That's money not produced, but rather created.
The increase of money means it's worth less.
Nash says, "Every dollar in our savings account now buys less because of the high cost of things in the market place."
Add to that how much the U.S. is going into debt.
It's been a steady climb since 1960 nearing the $14.3 trillion ceiling.
Add to that the possibility of raising the debt ceiling another $2 trillion.
Northwood professors say it's a business killer.
"Every dollar the government borrows today is a dollar less available for private business to borrow," says Dr. Richard Ebeling, professor of economics at Northwood University.
So why does the government continue to borrow and inflate? The economy experts say it comes down to politics.
"No politician wants to go before his constituents and say, 'I'm going to cut something the government has been giving to you for years.'"
While numbers this large can be overwhelming and difficult to comprehend, the experts say it has to be addressed because there will be an end of the road.
"If the U.S. government doesn't deal with the debt soon, the rest of the world is going to say, 'We don't want to accept the dollar for international exchange," says Nash.
It's trade that 25% of U.S. jobs rely on.
Dr. Richard Ebeling of Northwood University is testifying in front of a congressional committee this Wednesday about the need for the U.S. to address its inflation and debt issues.