The article points out that the US national debt has currently reached approximately $40 trillion. According to the Constitution, the US Congress has the power to tax, spend, borrow, and appropriate funds from the Treasury. The President has significant influence over the budget process but cannot unilaterally cancel appropriations legislated by Congress. Furthermore, about one-third of state governments' revenue comes from federal transfer payments, meaning the fiscal health of state governments is closely tied to Washington's financial situation. The article also explores how individuals can mitigate the impact of federal fiscal imbalance by eliminating high-interest debt and controlling fixed expenses.