Group 1 - The average American consumer holds $105,056 in debt as of Q3 2024, reflecting a 2.4% increase from the previous year [1] - A caller named Robert from Chicago reported being $1 million in debt, which includes a $462,000 mortgage, $96,000 in private student loans, and $42,000 in auto loans [2] - Robert's situation is exacerbated by personal loans he made to others, which have not been repaid, highlighting the risks associated with borrowing money to invest [2][3] Group 2 - The average mortgage for consumers is $252,505, with average student loans at $35,208 and auto loans at $24,297, indicating that Robert's debt levels are significantly higher than average [2] - Financial advisors are recommended for individuals in similar situations to help create a debt repayment plan without resorting to private loans [3]