If you are American, then it is you, for the most part.

Most of the US government debt is owed to institution and people in the US. All these retirement funds, social security, health insurance, etc... that own part of the government debt... well, you won't get what you paid for.

This is a simplistic and partial view, but I think that's the most personal way of thinking about it.

That’s about it. You’re paying for roads and education and war with your retirement savings. There’s not really anyone else there to pick up the bill. There’d better be some kind of return on that investment so you can actually retire.

Printing more money devalues the currency your retirement is priced in, so that’s not an escape either.