{"product_id":"debt-by-dysfunction-karina-vunnam-9781966193265","title":"Debt by Dysfunction: The 2033 Fiscal Crisis Hiding in Plain Sight","description":"\u003cp\u003e\u003cstrong\u003eIn seven years, the Social Security Trust Fund will be empty. Not might be. Will be. It's written into federal law.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eWhen that happens, 70 million Americans will see their benefits cut by 24 percent-automatically, immediately, and without Congressional action required. This isn't a prediction. It's statutory math, documented in Congressional Budget Office projections hiding in plain sight.\u003c\/p\u003e\u003cp\u003e\u003cem\u003eDebt by Dysfunction\u003c\/em\u003e\u003c\/p\u003e\u003cp\u003e is the first comprehensive analysis of how three converging crises-entitlement insolvency, interest cost explosion, and confidence erosion-will reshape American life between now and 2040.Stanford-trained economist Karina Vunnam synthesizes more than 200 citations from official government sources to document: - Why the required $9.0 trillion fix is mathematically feasible but politically impossible- How interest payments already exceed defense spending-and will soon exceed all discretionary spending combined- Why every actor with knowledge of this crisis faces structural incentives to stay silent- How the municipal cascade will sort America into tiers of functional and failed jurisdictions- What historical precedent reveals about how democracies navigate fiscal stressThis is not another debt doom prophecy. It is a statutory audit of what happens when rational individual decisions create collective catastrophe-what the author terms \u003c\/p\u003e\u003cp\u003e\u003cem\u003erational dysfunction\u003c\/em\u003e\u003c\/p\u003e\u003cp\u003e.The 1983 Social Security reform proved comprehensive bipartisan action is possible. That crisis was half this magnitude, occurred during lower political polarization, and used policy tools that have since been exhausted. Today's political system rejected the Simpson-Bowles plan 382 to 38. It will not pass reforms three times larger.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eThe deadline is real. The math is public. The preparation is yours.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eBased on the author's SSRN working paper, with an interactive companion site featuring timelines, data visualizations, and additional resources at debtbydysfunction.com.\u003c\/p\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAuthor:\u003c\/b\u003e Karina Vunnam\u003cbr\u003e\u003cb\u003eISBN-10:\u003c\/b\u003e 1966193262\u003cbr\u003e\u003cb\u003eISBN-13:\u003c\/b\u003e 9781966193265\u003cbr\u003e\u003cb\u003ePublisher:\u003c\/b\u003e Creative Nudge Press\u003cbr\u003e\u003cb\u003eLanguage:\u003c\/b\u003e English\u003cbr\u003e\u003cb\u003ePublished:\u003c\/b\u003e 01\/15\/2026\u003cbr\u003e\u003cb\u003ePages:\u003c\/b\u003e 302\u003cbr\u003e\u003cb\u003eFormat:\u003c\/b\u003e Paperback\u003cbr\u003e\u003cb\u003eWeight:\u003c\/b\u003e 0.93lbs\u003cbr\u003e\u003cb\u003eSize:\u003c\/b\u003e 8.00h x 5.25w x 0.82d","brand":"Karina Vunnam","offers":[{"title":"Paperback","offer_id":48443118190847,"sku":"9781966193265","price":15.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0662\/2982\/9887\/files\/img_4d19834a-917e-4f28-8378-eb44cfd63991.jpg?v=1777201962","url":"https:\/\/www.whiterainbookhouse.com\/products\/debt-by-dysfunction-karina-vunnam-9781966193265","provider":"WR Book House","version":"1.0","type":"link"}