Plain talk for a turning point in American history
If you work for a living, you’ve felt it. Prices keep climbing, paychecks lag behind, and the people who already own the most keep getting more. Left or right, most of us see the same thing. Here’s a plan to fix it, in plain English — and a two-minute way to tell Congress you want it.
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How we got here
You don’t need an economics degree. You need to know how the machine works, who it’s working for right now, and where we are in the story.
When Washington borrows trillions year after year, the system creates new money to keep it running. That money lands first in stocks, real estate and big banks. By the time it trickles down to wages, prices have already gone up. The closer you are to the money, the more you win.
The headlines say the economy is fine. For people who own stocks and a home, it has been. For people living paycheck to paycheck, it’s felt like a recession for years. Same country, two economies. That split has a shape — a K.
The old rules stop working. Trust collapses. People on every side feel the system is rigged — and they’re not wrong. Then the country writes a new deal. It’s happened three times. We’re living through the fourth.
From K to E
The top arm rides rising stock and home prices. The bottom arm rides rising rent, groceries and insurance. When half the country falls behind, trust breaks — in Washington, in the markets, and in each other.
The spine is a floor nobody falls through. The three arms — working class, middle class, the top — all point the same way. Nobody gets pulled down so somebody else can climb.
What left and right already agree on
Taking a raise or an extra shift should never leave you worse off. Today, it sometimes does.
Send help straight to people — not through agencies, consultants and contractors who take their cut first.
Wall Street traders and dealmakers shouldn’t play by easier rules than the person who fixes your truck.
No more putting it on the national credit card. Every dollar out names a dollar in.
The plan
Every proposal you add goes into a letter you can send to your House member and both senators.
Here’s the whole thing in four lines. You get a cash floor, no strings. If you earn under about $64,000, you stop paying federal income tax. Above that, your taxes ease in slowly — no surprise jumps. And it’s paid for mostly by a 10% sales tax (groceries exempt) plus small taxes on Wall Street trading and luxury spending.
$13,500 is the same as Social Security’s 2026 minimum benefit for someone who worked 30 years. It goes to individuals, not households. If you already get Social Security, you keep that instead — no double-dipping.
Under about $64,000 (four times the poverty line), you owe zero federal income tax. Above that, your normal tax comes back a little at a time — so a raise never turns into a surprise bill.
A 10% sales tax on most things you buy — not groceries — does the heavy lifting, bringing in roughly $1.1–1.3 trillion a year. The rest comes from the places where the big money moves:
Completely separate and completely optional. If you’ve done well, you can check a box on your tax return to donate to Trump Accounts for lower-income Americans — and deduct it, like a charitable gift. Every dollar is kept in its own account.
Want to help someone else get started? There’s a box for that. Don’t want to? Nothing changes for you.
All dollar amounts and rates are estimates and would be finalized in legislation. About 120–140 million people would qualify for the full amount.
Make your voice heard
Congressional offices count every letter from their own voters. A short note in your own words carries more weight than you’d think.
Pick at least one proposal in Step 1 and your letter will show up here.
Hard questions
No. The government doesn’t take over any industry or decide how you live. It sends cash straight to people and gets out of the way — and most working people stop paying federal income tax. Plenty of free-market thinkers have backed exactly that.
No. The cash floor fades to zero for high earners, people above $250,000 keep paying full income tax, and new taxes land on luxury spending, Wall Street trading, buyouts and Big Tech. The people who’ve gained most from the K pay the most into the E.
$13,500 covers the basics, not a comfortable life. And unlike many of today’s programs, you don’t lose it the moment you earn more. You keep the full amount up to $75,000. Every extra hour you work leaves you better off.
Groceries are exempt. And for a typical lower- or middle-income family, the $13,500 plus zero federal income tax is designed to more than cover what they’d pay in sales tax.
No. Social Security stays exactly as it is. If you already get it, you keep it, and you don’t get the cash floor on top.
No. It’s an optional box on your tax return. The cash floor doesn’t depend on it.
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