The four years of Democrat rule were stained by widespread problems and public disdain surrounding key social, economic, health, tax, immigration, housing, education, and public safety flaws.

As the United States navigated the complexities of post-pandemic recovery, the Democrats faced record-breaking failures regarding: crime, inflation, wars, debt, high interest rates, drug overdose deaths, and record suicide rates. At the same time, the administration's handling of immigration policies and domestic poverty, particularly border security, became a focal point of both national and international scrutiny.

This failing last four years and catastrophic report card aims to provide a comprehensive evaluation of the White House and administration's poor performance in critical areas: crime and public safety, immigration, inflation, debt, drug overdose and substance abuse, suicide, and economic stability.

Each year, from 2021 to 2024, will be assessed based on its impact and key challenges faced, allowing a clearer view of how the White House employees policies and democrat’s actions failed the country even while left-leaning states & cities raised: city taxes, fees, and state taxes on working family’s: income, phones, TV, meals, cars, internet, tickets, and more.

To make things worse, elder care costs went up 76% hurting disabled family members   while child care costs shot up 40% essentially bankrupting many working families.

From unfettered immigration and grappling with unprecedented public health crises, to confronting economic instability and rising social issues, the Biden administration's approach has shaped the trajectory of the nation’s disappointment and future debt chaos.

Biden’s agencies were secretly paying the media millions of taxpayer dollars to boost their image. The damages inflicted on the nation by Democrats’ policy mistakes will carry forward for years if not generations. This math based, scientific report offers a detailed look at the shortcomings and ongoing struggles that defined the four years of a “lobbyist and staff-run-presidency” using auto-pens to rule the nation by decree.

This research provides a foundation for understanding the path ahead as a sickly candidate was asked to leave office by democrat leaders and an angry voter base and replaced by VP Harris without a single vote cast. With that being said, nobody can ignore that Kamala Harris and Democrat House leaders were complicit in all of these colossal failures listed herein which essentially bankrupted Social Security and Medicaid in four short years.

Basic Shortcomings of the White House Four Years 2021-24

1. Triple the Inflation - From 2021-2024, inflation has tripled on mortgage interest, student loan interest, and small loans and credit cards. Annual Rates at 25% interest for some card holders.
2. Border Security 100 Times Worse. The Democrat’s administration has allowed 10+ million new immigrants to steal citizens’ jobs and rob affordable housing from black and brown citizens: Since 2021, the U.S. southern border has seen an existential increase in migrant crossings, with untold thousands of migrants being raped or dying while attempting to cross.
3. Triple the Death – COVID Death Tripled after Trump left office.
4. Joblessness Tripled – A Subsidized Economy with No Good Jobs: - While millions of phony jobs are posted online, 10 million or more were removed from the worker rolls. Unemployment was about 10% now in 2024. Even if a worker makes $20 dollar an hour, they still can’t afford rent and food and utilities.
5. Gas Prices Hurting Families: Gasoline prices in the U.S. surged to over $5 per gallon in, the highest prices on record.
6. Unaffordable Food: Global food prices reached a 10-year high in under Democrat’s leadership, driven by bad energy policies, bad environmental policies, supply chain disruptions and increased demand .
7. Global Wars and Conflicts: The number of global conflicts has increased, with significant hotspots in Ukraine, Syria, Libya, and Yemen, contributing to global instability and the US national debt.
8. National Debt: The interest on national debt Tripled in the last 4 years. Thus, it costs over a Trillion per year just in interest on the debt.
9. Family Debt: Household debt in the U.S. reached dangerous levels driven by increases in mortgage, auto loan, & credit card balances .
10. Triple the Debt Burden - Credit Card Debt: U.S. credit card debt hit the worst levels in history primarily because the debt burden was tripled under the failed leadership of Democrat party leaders.
11. : Personal bankruptcy filings in the U.S. increased reflecting financial stress among households .
12. Student Loan Debt: U.S. student loan debt reached $1.75 trillion in 2022, with millions of borrowers struggling to make payments .
13. Drug Death – Allowing poison drugs over the border is a continuance of Obama’s Silent Genocide. Obama had about 500,000 deaths in 8 years on his watch due to opioids.  From 2-21-2025, democrats probably had 450,000+ thousand drug deaths.
14. Immigration – While new immigrants sound like a nice idea, new unskilled migrants undercut white and black citizens who need work and immigrations artificially raises the costs of rents, health care, and education by increasing demand and lowering supply.
15. Crime Worst in History – The combined murder, suicide, rape, assault, and pedophile crimes were the worst in history under the control of the democrat leaders and White House.
16. 60 Nations Tariffs on USA - Under Biden Harris 2021-2025 - 60 nations were allowed to Tax and Tariff USA citizen, goods and services, while the USA only had a few tariffs on steal and China. CBS lists about 65 nations and territories on the list. Nobody has answered the question, if it worked for other nations, then why shouldn’t the USA use them? At the least, these equalization tariffs by Trump will allow the 60+ nations to cut taxes and prices on US citizens and US companies.

4 Annual Democrat Failing Annual Report Cards for Each Year 2021-2024

1. Annual Report Card – Grade is (D-)

• Stock Market – Trump’s stock market continued into Biden’s first year. Most Americans were happy with inflation and the stock market as Trump’s economy floated into 2021.
• Violent Crime & Public Safety: Overview: Violent crime rates started to increase, with homicides and aggravated assaults rising.
• Immigration: Overview: Border encounters surged, with over 1.7 million, the highest in over 20 years.​ A total failure.
• Drug Overdose Deaths: Overview: Overdose deaths were the most terrible again with over 108,000, primarily due to fentanyl and other synthetic drugs & opioids pouring over the border.
• Suicide: Overview: Suicide rates hit horrible levels, with 47,646 deaths reported, marking a rise from the previous year.​CDC
• Inflation: Overview: Inflation become the lousiest in decades driven by bad energy policy, poor environmental leadership, supply chain disruptions and stimulus spending.​CRFB+1Investopedia+1
• Immigration (Illegal Entries): Overview: The total illegal immigration (legal and illegal) in the U.S. hit an unsustainable 46.2 million.​Center for Immigration Studies

1. Report Card – Grade (F) – The Carnage Begins

• Violent Crime & Public Safety: Overview: Violent crime rates remained deadly, with limited progress in reducing incidents due to the administrations clashes with police and fire department services in cities.
• Immigration: Overview: Border encounters became dangerous, with a whopping 2.3 million coming in and apprehended.​
• Drug Overdose Deaths: Overview: Overdose deaths achieved a record worst level at 107,941, with fentanyl continuing to be the killer of thousands per month..​
• Suicide: Overview: Suicide rates were horrendous with 49,449 deaths reported, getting poorer from the previous year.​
• Inflation: Overview: Inflation was the most appalling in 41-years since Jimmy Carter’s debacle, with the Consumer Price Index (CPI) increasing by 8.0%.​CRFB The White House and Fed raised lending rates essentially 1000% from 0.50% to 5.50%.from 2022-23.
• Immigration (Illegal Entries): Overview: The number of unauthorized immigrants in the U.S. hit the worst levels ever, contributing to the record-low in immigration management.
• Stock Market Crash 2022 – Most Americans lost 23% of their savings in one year under the Democrats along with losing buying power. With inflation, some Americans lost 30% of their pension buying power and lost 1/4^th of their investment value. The Nasdaq Composite also experienced a substantial decline under democrats, crashing a horrendous 33.1% for the year.
• Savings and Buying Power for Seniors and Retires were Wiped Out by Democrats - Millions were inflicted with high credit card and other debt and had to raid their 401k for a bailout.

2023 Report Card (Below an F)

Violent Crime & Public Safety: Overview: Violent crime became even more dangerous. In 2023, an estimated 546,159 children were victims of abuse and molestation.

Immigration: Overview: Illegal border invasion become more atrocious. Nationwide, the total number of encounters exceeded a jaw dropping 3.2 million new additions to public assistance programs in the USA.

Drug Overdose Deaths: Overview: Overdose of 107,543 deaths of US citizens where it appears that 215,000 Americans lost a child to poor border security and poison drugs.

Suicide: Overview: Democrat suicide rate worst in history with 49,369 deaths reported.​ The majority of gun related death in the USA is by suicide.

Inflation:: Inflation on food and rents was the worst in generations in 2022-2023 with food and rent prices skyrocketing to hurt working families, women and minorities. Macrotrends

Immigration (Illegal Entries): The number of unauthorized immigrants remained awful taking jobs from women and minorities jacking up rents in major cities. The total immigrant population in the USA reached 47.8 million, with Mexico, India, China, and the Philippines being the most common origin countries.

2024 Report Card

• Violent Crime & Public Safety: Overview: Violent crime rates continued to get worse, with significant increases in immigration related child molesters, drug deaths, murder, and rape.​ As of July 2024, Democrats allowed 13,099 noncitizens with prior murder convictions to mingle in the USA. This is three per USA county.
• Immigration: Overview: Border encounters cost Americans 100s of billions per year weakening health and education services for minorities and women in cities across the USA. The number of unauthorized immigrants remained at devastating levels. Many hospitals were bankrupted.
• Drug Overdose Deaths: Overview: Overdose deaths are another 81,000, marking significant drug deaths across the USA.​
• Suicide: Overview: Suicide rates appalling with 49,500 deaths reported.​
• Hyper-Inflation: Overview: Inflation was so bad over the prior 3 years that the cumulative inflation in the USA from 2021-24 was about 30-40% on gas, rent, taxes, and food and essentials wiping out most peoples savings and pension values. Given that inflation has been a dominant force, combined with the tax hikes and hidden surcharges, the overall increase in cost to the average American family from 2020 to 2024 could be around 25-35%. Never forget, when prices go up, the city, state, & county taxes on the items goes up also.
• 300% Worse Debt Burdens over 4 years - The average mortgage rates for a 30-year fixed loan in the U.S. surged from about 3% in 2021 to 9% by mid-2024. Credit Card Rates: Credit card interest rates rose from about 15%–18% in 2021 to around 20%–24% by 2024. Student Loan Rates: Federal student loan interest rates for undergraduates increased from 3.73% in 2021 to 5.28% in 2024, while private loans saw rates double in some cases (from around 4%-6% to 8%-10%). Car Loan Rates: Car loan rates increased from around 3% in 2021 to 7-10% or higher in 2024 depending on credit rating, reflecting broader rate hikes by the Federal Reserve.

10 Reasons Why The Last Four Years Were a Catastrophic Failure

Here are some statistics from the last 3-4 years that highlight the devastation upon working Americans in various areas:

1. National Debt - 2021: The U.S. national debt stood at about $28 trillion. 2024: The U.S. national debt surpassed $35 trillion by the end of 2024.
2. Household Debt - 2020: U.S. household debt was approximately $14.5 trillion, and by 2024, household debt had risen to $18 trillion.
3. Credit Card Debt - 2020: Credit card debt in the U.S. was approximately $899 billion, and by 2024, it had surged to $1.13 trillion. Average household credit card debt went from about 5,000 to over 8,000 white Harris was VP 2021-2025. Credit card family debt was about $5,313 in 2020 and WalletHub, reports the average credit card balance as $11,303 per household in Q4 2024.
4. Border Security allowing Immigrants to Steal Jobs from Black Citizens: During 2021-24, democrats appear to have allowed enough people over the border to take most mid-level and starter jobs away from blacks, women, ethnic citizens in inner cities. Over President Biden’s term, the U.S. added over 10 million immigrants across various categories. Some say it is over 20 million undocumented immigrants who paid no visa fees.
5. Economy with No Good Jobs : Because there were so many layoffs, Democrats began to concoct government jobs to puff the economy. There were 1.4 million new government jobs fabricated during Biden's term and many were no-show jobs where you need only telecommute. In 2023 alone, nearly 25% of all new jobs in the U.S. were government positions. This fake GDP floated the Democrats failing economy and failed policies.
6. Energy Prices Hurting Families: Utility Bills and Gasoline prices in the U.S during the 2021-25 democrat led regime were horrendous.
7. Unaffordable Food - Food became the largest percent of costs next to rent under the 2021-25 democrat led regime
8. Global Wars and Conflicts From Urkraine, to Sudan, to Yemen to Gaza, wars raged under Democrats with over one trillion dollars being wasted offshore when it could have been used to help Americans.
9. : Personal bankruptcy filings in the U.S.
10. Student Loan Debt: Debt defaults reached an all time high under as democrats overcharged students for 4 years on their debt. 5.3 Million have gone bankrupt or won’t pay with 43.2 million Americans holding federal student loan debt.
11. Civil Rights Failures – Apparently, there was widespread discrimination against Asians and Jews during the 4 years of between Trump’s presidential terms. In 2025, Trump is not raising civil rights to a new level of equanimity and high standards.
12. Presidential Mental Status Cover Up – The Media and government officials hid the fact that Biden was a danger to himself and other people and could not manage himself or his affairs. Nobody knows who was running the government or signing material documents with an autopen. Prosecutors are now investigating if White House staff’s were signing EO’s Executive Orders without any approval.
13. Classified Documents – The President was seen to have been caught with stolen classified documents in his beach house and homes that were taken while a Senator or VP.
14. Genital Mutilation – It seems that the Democrat’s administration supported massive amounts of gender altering surgery even on children with taxpayer dollars by allowing TRICARE, ACA, and VA to fund sex-change surgery.
15. Discrimination Against Female Athletes – Democrat Leaders and democrat states allowed the displacement of minority women athletes to be replaced by biological men robbing scholarships from ethnic women.
16. Human Trafficking Slavery – The 2021-25 democrat led regime was also complicit in violating the Anti-Slavery Padrone Act, which was the law that freed Sicilians in 1874 from slavery and child trafficking and should be applied to trafficking of people from South America.
17. Parental Rights – Democrats did nothing to stop children from being criminally kidnapped (18 U.S. Code § 1201) in the name of sex changes, gender care or pronoun use while also allowing children to be maimed, altered or permanently dismembered without any parental consent required by federal law.
18. The Newest Jim Crow and Replacement Theory – If you ever have had an authentic discussion with an African American over 50, you will probably find that they are concerned that their children or grandchildren are being replaced by bad democrat policies and unfettered immigration.
19. Trump Legal Prosecutions – Democrats used millions and millions of government money to prosecute several criminal cases against President Trump and his allies using fake evidence, altering evidence, and fabricating crimes.

Summary of Disappointments

All of these Democrat Party failures and corrupt practices have trickled down into Trump’s second term affecting the stock market and the future of America.

Sadly, the Biden/Harris/Pelosi Stock market horribly failed on average for four consecutive years as the Dow Jones didn’t keep up with inflation. The Dow Jones Industrial Average was stagnant at best with an average return of a pathetic 6.72% from 2021 to 2025 including an 8.78% decline in 2022. The Democrat’s economy and stock market never caught up with 20-30% inflation and debt burden inflation.

This last Democrat led administration failed with many attempts to manage public safety, immigration, and social issues over the past four years. While there were artificial improvements in areas such as boosting the number of federal jobs to try to save the economy, the horrific crime and drug overdose deaths, other issues like inflation, wars, and suicide rates riddled the past democrat administration with losses until the Biden’s Party forced him out of office. The previous democrat administration's policies had a pitiful four years with absolutely zero memorable achievements where the general public became more annoyed and disgruntled than they have been in over 40 years.

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Commissioner George Mentz JD MBA CILS CWM® is the first in the USA to rank as a Top 50 Influencer & Thought Leader in: Management, PM, HR, FinTech, Wealth Management, and B2B according to Onalytica.com and Thinkers360.com. George Mentz JD MBA CILS is a CWM Chartered Wealth Manager ®, global speaker - educator, tax-economist, international lawyer and CEO of the GAFM Global Academy of Finance & Management ®. The GAFM is a EU accredited graduate body that trains and certifies professionals in 150+ nations under standards of the: US Dept of Education, ACBSP, ISO 21001, ISO 991, ISO 29993, QAHE, ECLBS, and ISO 29990 standards. Mentz is also an award-winning author and award winning graduate law professor of wealth management of one of the top 30 ranked law schools in the USA.Mentzenborg is just a term of art to describe the theory and process by George Mentz JD MBA ChE. CWM is for Chartered Wealth Manager ® and ChE Chartered Economist ® is a credential for economics professionals