{"id":10806,"date":"2026-02-23T20:37:13","date_gmt":"2026-02-23T20:37:13","guid":{"rendered":"https:\/\/www.rubinwealthadvisors.com\/rubinreport\/?p=10806"},"modified":"2026-04-03T11:32:18","modified_gmt":"2026-04-03T11:32:18","slug":"planning-matters-more-than-ever-for-high-net-worth-families","status":"publish","type":"post","link":"https:\/\/www.rubinwealthadvisors.com\/rubinreport\/planning-matters-more-than-ever-for-high-net-worth-families\/","title":{"rendered":"Rising Federal Debt: Why Strategic Planning Matters More Than Ever for High-Net-Worth Families"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10806\" class=\"elementor elementor-10806\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8cad338 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8cad338\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a512a0a\" data-id=\"a512a0a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4d3d948 elementor-widget elementor-widget-text-editor\" data-id=\"4d3d948\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><i><span style=\"font-weight: 400;\">This article originally appeared on Townhall here: <\/span><\/i><a href=\"https:\/\/townhall.com\/columnists\/bob-rubin\/2026\/02\/21\/rising-federal-debt-why-strategic-planning-matters-more-than-ever-for-high-net-worth-families-n2671474\"><i><span style=\"font-weight: 400;\">https:\/\/townhall.com\/columnists\/bob-rubin\/2026\/02\/21\/rising-federal-debt-why-strategic-planning-matters-more-than-ever-for-high-net-worth-families-n2671474<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">\u00a0<\/span><\/i><\/p><p><span style=\"font-weight: 400;\">Governments rarely shrink on their own. Over time, they tend to grow through new programs, emergency measures that become permanent, and incremental policy expansions that appear modest in isolation but significant in aggregate. The language is typically pragmatic and well-intentioned. The long-term fiscal math, however, is neutral and unforgiving.<\/span><\/p><p><span style=\"font-weight: 400;\">The United States now carries more than $36 trillion in federal debt, and that total continues to rise faster than overall economic output. At the same time, the cost of servicing that debt has climbed sharply. Annual interest payments are projected to exceed $1 trillion, placing them among the largest line items in the federal budget. This is not a partisan observation. It is a budgetary reality.<\/span><\/p><p><span style=\"font-weight: 400;\">When obligations grow faster than revenue, the gap must be financed. When financing costs rise, revenue becomes more important. That simple relationship shapes the policy environment more than campaign rhetoric ever will.<\/span><\/p><p><span style=\"font-weight: 400;\">For higher-earning households, business owners, and long-term investors, this backdrop suggests not alarm but preparation. Tax policy is likely to evolve in the coming years. The key question is how, and how quickly.<\/span><\/p><p><span style=\"font-weight: 400;\">Several features of the current federal tax framework are scheduled to change after 2025 if existing provisions expire. Under current law, that would generally mean higher marginal income tax rates, a lower estate and gift tax exemption, and adjustments to deductions and thresholds. Debate also continues around capital gains treatment, retirement account rules, and expanded reporting requirements.<\/span><\/p><p><span style=\"font-weight: 400;\">Not every proposal becomes law. Many do not. Still, policy discussions often signal direction before they produce legislation. Families that monitor those signals gain time to evaluate options rather than react under pressure.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9820d73 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9820d73\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-70f6a15\" data-id=\"70f6a15\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fd8f21f elementor-widget elementor-widget-image\" data-id=\"fd8f21f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1030\" height=\"429\" src=\"https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2023\/09\/Subscrbe-CTA-image-1030x429.png\" class=\"attachment-large size-large wp-image-9283\" alt=\"\" srcset=\"https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2023\/09\/Subscrbe-CTA-image-1030x429.png 1030w, https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2023\/09\/Subscrbe-CTA-image-300x125.png 300w, https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2023\/09\/Subscrbe-CTA-image-80x33.png 80w, https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2023\/09\/Subscrbe-CTA-image-768x320.png 768w, https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2023\/09\/Subscrbe-CTA-image-1536x640.png 1536w, https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2023\/09\/Subscrbe-CTA-image-2048x853.png 2048w, https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2023\/09\/Subscrbe-CTA-image-1500x625.png 1500w, https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2023\/09\/Subscrbe-CTA-image-705x294.png 705w, https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2023\/09\/Subscrbe-CTA-image.png 1920w\" sizes=\"(max-width: 1030px) 100vw, 1030px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4636849 elementor-widget elementor-widget-html\" data-id=\"4636849\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script src=\"https:\/\/www.cognitoforms.com\/f\/seamless.js\" data-key=\"o3wivveY-E-CqvTqnB2IAA\" data-form=\"1\"><\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6cf8842 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6cf8842\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e9185e5\" data-id=\"e9185e5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b50ada elementor-widget elementor-widget-text-editor\" data-id=\"1b50ada\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">History suggests that major tax shifts are more often phased in than imposed overnight. Thresholds are adjusted. Exemptions narrow. Definitions change. Planning windows open and close quietly.<\/span><\/p><p><span style=\"font-weight: 400;\">Recent market performance has restored confidence for many investors. Portfolio values have rebounded, and inflation has cooled from its peak. That stability is welcome, but it should not be confused with long-term fiscal balance.<\/span><\/p><p><span style=\"font-weight: 400;\">In fact, periods of market strength often create the conditions under which structural tax changes become more politically feasible. Asset appreciation makes rate increases or exemption reductions easier to implement. Large retirement balances invite renewed scrutiny. Rising property and business valuations reshape estate planning exposure.<\/span><\/p><p><span style=\"font-weight: 400;\">For wealth builders, market risk and policy risk deserve equal attention. One is visible daily on a screen. The other develops more slowly, but can have comparable impact over time.<\/span><\/p><p><span style=\"font-weight: 400;\">Many affluent families built their wealth through a growth mindset. They focused on expansion, opportunity, and calculated risk. Preservation requires a complementary mindset centered on resilience, flexibility, and foresight.<\/span><\/p><p><span style=\"font-weight: 400;\">Prudent planning today is less about prediction and more about optionality. It is about creating structures that remain effective across a range of tax and regulatory outcomes.<\/span><\/p><p><span style=\"font-weight: 400;\">Common strategies under review by planning professionals include measured Roth conversion programs while rates remain historically moderate, estate plan updates under current exemption levels, portfolio stress testing under different capital gains assumptions, and evaluation of entity and trust structures for tax efficiency and asset protection. Some families also reassess state residency and domicile choices based on tax treatment and legal environment.<\/span><\/p><p><span style=\"font-weight: 400;\">These are not political acts. They are risk management decisions, similar in spirit to diversification or insurance.<\/span><\/p><p><span style=\"font-weight: 400;\">One consistent pattern across decades is that capital moves toward clarity and predictability. Investors and entrepreneurs value stable rules, transparent enforcement, and long planning horizons. When uncertainty rises, planning activity rises with it.<\/span><\/p><p><span style=\"font-weight: 400;\">This mobility is not limited to corporations. Households respond as well through asset location, business structure, charitable planning, and intergenerational transfers. Policymakers understand this dynamic, which is why major tax changes are often accompanied by transition rules and delayed effective dates. Those windows matter.<\/span><\/p><p><span style=\"font-weight: 400;\">Rising fiscal pressure does not belong to one party or ideology. Administrations of different philosophies have overseen expansions in spending, borrowing, and tax complexity. Demographics, healthcare costs, interest rates, and entitlement commitments all contribute to the trajectory.<\/span><\/p><p><span style=\"font-weight: 400;\">The broader issue is structural. When debt and obligations compound faster than growth for extended periods, governments look for ways to stabilize the system. That typically involves a combination of spending restraint, growth initiatives, and revenue adjustments.<\/span><\/p><p><span style=\"font-weight: 400;\">Households that have created significant value often sit at the center of that revenue discussion. Not because of politics, but because of capacity.<\/span><\/p><p><span style=\"font-weight: 400;\">The most effective long-term wealth strategies are rarely built in moments of urgency. They are built in periods of relative calm, when choices are broader, and tradeoffs can be weighed carefully.<\/span><\/p><p><span style=\"font-weight: 400;\">The next couple of years may offer such a planning window. Not because a crisis is certain, but because policy change is plausible. Acting early allows families to evaluate tools, run scenarios, and align decisions with their values and goals.<\/span><\/p><p><span style=\"font-weight: 400;\">Good planning is not fear-driven. It is stewardship-driven. It recognizes that rules change, incentives evolve, and responsible builders of wealth adapt accordingly.<\/span><\/p><p><span style=\"font-weight: 400;\">In public finance as in personal finance, arithmetic eventually gets a vote. Preparing for that reality is not partisan. It is prudent.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c367ebf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c367ebf\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4d1403e\" data-id=\"4d1403e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b188569 elementor-widget elementor-widget-image\" data-id=\"b188569\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"700\" height=\"900\" data-src=\"https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2022\/09\/bob_min-700x900-1.jpg\" class=\"attachment-large size-large wp-image-2977 lazyload\" alt=\"bob rubin\" data-srcset=\"https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2022\/09\/bob_min-700x900-1.jpg 700w, https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2022\/09\/bob_min-700x900-1-233x300.jpg 233w, https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2022\/09\/bob_min-700x900-1-62x80.jpg 62w, https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2022\/09\/bob_min-700x900-1-548x705.jpg 548w\" data-sizes=\"(max-width: 700px) 100vw, 700px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 700px; --smush-placeholder-aspect-ratio: 700\/900;\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-0ea3b3a\" data-id=\"0ea3b3a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7fdbb43 elementor-widget elementor-widget-text-editor\" data-id=\"7fdbb43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 600; font-size: 25px; font-family: 'Playfair Display', sans-serif; color: #252468;\">Are you concerned about inflation, ESG compliances, and the 2022 crypto crash?<\/p><p style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 600; font-size: 25px; font-family: 'Playfair Display', sans-serif; color: #252468;\">Your investment portfolio can be affected by any or all of these factors.<\/p><p style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 600; font-size: 25px; font-family: 'Playfair Display', sans-serif; color: #252468;\">Schedule an appointment with Bob Rubin, your dedicated, conservative financial advisor, for a free portfolio analysis today.<\/p><p style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 600; font-size: 25px; font-family: 'Playfair Display', sans-serif; color: #252468;\">Get started by clicking the button below.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2f429a6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2f429a6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-71523d6\" data-id=\"71523d6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8635687 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8635687\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div 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href='https:\/\/www.rubinwealthadvisors.com\/rubinreport\/trumps-energy-revolution\/' target='_blank'>Read More<\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class='rt-pagination-wrap' data-total-pages='15' data-posts-per-page='6' data-type='pagination'  ><div class=\"rt-pagination\" ><ul class=\"pagination-list\"><li class=\"active\"><span>1<\/span><\/li><li><a data-paged='2' href='https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-json\/wp\/v2\/posts\/10806\/page\/2\/'>2<\/a><\/li><li><a data-paged='3' href='https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-json\/wp\/v2\/posts\/10806\/page\/3\/'>3<\/a><\/li><li><a data-paged='4' href='https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-json\/wp\/v2\/posts\/10806\/page\/4\/'>4<\/a><\/li><li><a data-paged='5' href='https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-json\/wp\/v2\/posts\/10806\/page\/5\/'>5<\/a><\/li><li><a data-paged='2' href=\"https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-json\/wp\/v2\/posts\/10806\/page\/2\/\"  aria-label='Next'>&rsaquo;<\/a><\/li><li><a data-paged='15' href='https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-json\/wp\/v2\/posts\/10806\/page\/15\/' aria-label='Last'>&raquo;<\/a><\/li><\/ul><\/div><\/div><\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>This article originally appeared on Townhall here: https:\/\/townhall.com\/columnists\/bob-rubin\/2026\/02\/21\/rising-federal-debt-why-strategic-planning-matters-more-than-ever-for-high-net-worth-families-n2671474\u00a0 Governments rarely shrink on their own. Over time, they tend to grow through new programs, emergency measures that become permanent, and incremental policy expansions that appear modest in isolation but significant in aggregate. The language is typically pragmatic and well-intentioned. The long-term fiscal math, however, is neutral [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":10868,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"cybocfi_hide_featured_image":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-10806","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Planning Matters More Than Ever for High Net Worth Families<\/title>\n<meta name=\"description\" content=\"Planning Matters More Than Ever for High Net Worth Families. 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Linscomb"},"url":"https:\/\/www.rubinwealthadvisors.com\/rubinreport\/author\/chris-linscomb\/"}]}},"rttpg_featured_image_url":{"full":["https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2026\/02\/Townhall_graphic.jpg",800,670,false],"landscape":["https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2026\/02\/Townhall_graphic.jpg",800,670,false],"portraits":["https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2026\/02\/Townhall_graphic.jpg",800,670,false],"thumbnail":["https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2026\/02\/Townhall_graphic-80x67.jpg",80,67,true],"medium":["https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2026\/02\/Townhall_graphic-300x251.jpg",300,251,true],"large":["https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2026\/02\/Townhall_graphic.jpg",800,670,false],"1536x1536":["https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2026\/02\/Townhall_graphic.jpg",800,670,false],"2048x2048":["https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2026\/02\/Townhall_graphic.jpg",800,670,false],"widget":["https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2026\/02\/Townhall_graphic-80x80.jpg",80,80,true],"square":["https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2026\/02\/Townhall_graphic-180x180.jpg",180,180,true],"featured":["https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2026\/02\/Townhall_graphic-800x430.jpg",800,430,true],"featured_large":["https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2026\/02\/Townhall_graphic-800x630.jpg",800,630,true],"extra_large":["https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2026\/02\/Townhall_graphic.jpg",800,670,false],"portfolio":["https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2026\/02\/Townhall_graphic-495x400.jpg",495,400,true],"portfolio_small":["https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2026\/02\/Townhall_graphic-260x185.jpg",260,185,true],"gallery":["https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2026\/02\/Townhall_graphic.jpg",800,670,false],"magazine":["https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2026\/02\/Townhall_graphic-710x375.jpg",710,375,true],"masonry":["https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2026\/02\/Townhall_graphic-705x590.jpg",705,590,true],"entry_with_sidebar":["https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2026\/02\/Townhall_graphic-800x321.jpg",800,321,true],"entry_without_sidebar":["https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-content\/uploads\/2026\/02\/Townhall_graphic-800x423.jpg",800,423,true]},"rttpg_author":{"display_name":"Chris Linscomb","author_link":"https:\/\/www.rubinwealthadvisors.com\/rubinreport\/author\/chris-linscomb\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/www.rubinwealthadvisors.com\/rubinreport\/category\/uncategorized\/\" rel=\"category tag\">Uncategorized<\/a>","rttpg_excerpt":"This article originally appeared on Townhall here: https:\/\/townhall.com\/columnists\/bob-rubin\/2026\/02\/21\/rising-federal-debt-why-strategic-planning-matters-more-than-ever-for-high-net-worth-families-n2671474\u00a0 Governments rarely shrink on their own. Over time, they tend to grow through new programs, emergency measures that become permanent, and incremental policy expansions that appear modest in isolation but significant in aggregate. The language is typically pragmatic and well-intentioned. The long-term fiscal math, however, is neutral&hellip;","_links":{"self":[{"href":"https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-json\/wp\/v2\/posts\/10806","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-json\/wp\/v2\/comments?post=10806"}],"version-history":[{"count":17,"href":"https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-json\/wp\/v2\/posts\/10806\/revisions"}],"predecessor-version":[{"id":10825,"href":"https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-json\/wp\/v2\/posts\/10806\/revisions\/10825"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-json\/wp\/v2\/media\/10868"}],"wp:attachment":[{"href":"https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-json\/wp\/v2\/media?parent=10806"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-json\/wp\/v2\/categories?post=10806"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rubinwealthadvisors.com\/rubinreport\/wp-json\/wp\/v2\/tags?post=10806"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}