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This story about average Amerikan debt loads makes a pound sound like a bargain.

While the average American has $90,460 in debt, this includes all types of consumer debt products, from credit cards to personal loans, mortgages and student debt.

Knowing these trends is important. Along with staying informed about financial planning, reading advice about saving for retirement and learning credit card basics — knowing where you stand can help you decide where to go next on your financial journey.

Here’s the average debt balances by age group:

Gen Z (ages 18 to 23): $9,593
Millennials (ages 24 to 39): $78,396
Gen X (ages 40 to 55): $135,841
Baby boomers (ages 56 to 74): $96,984
Silent generation (ages 75 and above): $40,925

Math time! Let’s deduct 60 million souls from the 330 million folks in the US – to dismiss any Greatest, under-18 Zs, and Post-Zs among us.

$90.460 x 270,000,000 = $24,424,200,000,000 outstanding usury. That’s in the “personal debt” ballpark figure ($20 Tr+) estimated by Ye Old Debt Clock. Either way, think of that as the value being sucked out of ownership and productivity, with all of the vampirism based on fraud and lies. Or, terminating these sinful fake loans would result in an immediate boost to the real economy greater than a standard year’s GDP.