This is the Ramsey Call of the Day, part of the Ramsey Network.

So there is a lot in the news about debt these days.

Oh, yeah.

Never gets old, does it?

You've been doing it 30 years.

Long time.

It's amazing.

I keep hearing there's debt in the news.

Who knew?

Wow. Well, I found this article earlier today, Dave, and it was interesting because I found

some conflicting news. So maybe you can help me sort this out. Here's one from Fox Business,

which was encouraging. More Americans optimistic about their finances in 2022 despite inflation.

So, inflation's rising at the fastest pace in decades, it says, which means consumers are paying

more for rent, utilities, groceries than ever before, plus federal student loan payments

restart this year, potentially impacting financial stability of millions of borrowers.

However, a new survey from Ally Bank shows that most Americans are optimistic about their finances,

despite all of this. More than 53 percent of respondents said they're confident about their personal financial

standing 59 percent believe they'll be better off financially a year from now and two-thirds 65

percent said they'll likely achieve their financial goals for 2022, even with record high inflation. So people

out there are optimistic. And even with the fact that they've gone further in debt in 2021 than at

any time in history, that's the confusing part. Here's what we're seeing from Reuters here.

U.S. household debt increased by $1 trillion in 2021 the most since 2007.

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