As the national debt grows toward $20 trillion, a financial watchdog says $100 trillion is a more realistic number when factoring in unfunded obligations.

The U.S. Treasury’s “Debt to the Penny” website listed the outstanding debt as $19,846,045,559,411.81 on Monday morning and prognosticators are predicting when the amount will hit $20 trillion. Even Truth in Accounting (TIA), the Chicago-based organization that pushes governments to release accurate, easy-to-understand financial reports, has a small betting pool on which day the magical number will be hit.

​​Although Pittsburgh paid more into its pension plans than was required over the past two years, the funds set up to pay employees’ retirement benefits are still struggling to be financially solvent.