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You Owe $117,000.
Nobody Sent You the Bill.

The national debt just crossed $40 trillion. Divide that by every man, woman and child in America and it works out to roughly $117,000 apiece.

You'll never get an invoice. That's not how Washington collects.

It collects a little at a time — at the grocery store, at the gas pump, in the shrinking buying power of every dollar sitting in your retirement account.

Three things happening right now:

• Interest on the debt now costs more than the entire military.

• The Treasury is borrowing just to pay interest on what it already borrowed.

• Foreign buyers of U.S. debt are quietly stepping back — and buying something else instead.

The United States Gold Bureau put together a complimentary investor's guide that explains what that "something else" is, and why it matters for anyone with retirement savings.

What Washington did the last time the debt got this far out of hand isn't something they teach in school.