Two things many Americans have in abundance this Christmas are fear and uncertainty.
Our debt profile is quite dismal with the average credit card debt now at $15,279. The biggest number is mortgage debt, which now averages $149,456 per household. Student loan debt is second, now averaging $32,140, which marks a 12.3 percent increase over last year.
The Affordable Care Act is filled with uncertainty. With the Baby Boomer generation aging and with a possible doctor shortage looming because less people are going into medicine, a perfect storm is facing the health care system.