We the People Fiscal Responsibility Act: The $38 Trillion Theft – How the National Debt Steals From Your Family Every Single Day

Jeremy Black
Dec 14, 2025
16 min read

Updated: Dec 17, 2025

We the People Fiscal Responsibility Act!

This is not a “budget problem.” This is not “government spending.” This is theft, $38 trillion stolen from your paycheck, your kids’ future, and your grandkids’ freedom.

While you work harder to pay higher prices, interest on the debt hits $1.2 trillion this year, more than defense, Medicare, or Social Security.

Every man, woman, and child owes $115,000, and the meter is running.

Both parties did this. Both parties profit from it. Both parties lie about fixing it.

The We the People Fiscal Responsibility Act ends the theft, with one page, three rules, and zero new taxes.

But first, feel the rage.

Here’s exactly how the $38 trillion was stolen, and who stole it.

The $38 Trillion Timeline – How Both Parties Robbed You Blind

Year Range	President / Party	Key Theft	Added Debt	Total Debt at End
2000	Clinton (D)	Last surplus	–$236B surplus	$5.6T
2001–2008	Bush (R)	Wars + tax cuts + recession	+$5.8T	$11.9T
2009–2016	Obama (D)	Stimulus + ACA + recovery	+$8.0T	$19.9T
2017–2020	Trump (R)	Tax cuts + COVID	+$7.8T	$27.7T
2021–2025	Biden (D)	Infrastructure + COVID + inflation relief	+$10.3T	$38T

Total added since 2000: $32.4 trillion Interest paid since 2000: $15+ trillion (already more than total debt in 2000)

Both parties. Every time.

The Top 10 Ways They Stole Your Money (With Real 2025 Numbers)

Unneeded Wars – $8 trillion (Brown University 2025) Iraq/Afghanistan, no WMDs, no victory, $2.4T direct + veterans/interest.
COVID Fraud & Panic – $6 trillion $382B fraudulent unemployment to “future” people and infants (DOL 2025). Lockdowns cost $4T lost GDP.
ACA Subsidies to Insurers – $2.3 trillion $1.2B lobbying to pass, now $800B/decade to companies denying claims.
Tax Cuts Without Cuts – $3.5 trillion revenue loss 2017 TCJA + IRA, no spending reductions, deficits explode.
Pork & Vote-Buying – $4 trillion+ Earmarks, farm subsidies to mega-farms, student loan forgiveness to buy votes.
Foreign Aid to Enemies – $1.2 trillion $59B to Pakistan (harbored Bin Laden), $82B to Egypt (anti-U.S.).
Wasted Defense – $3 trillion F-35 overruns, unneeded bases, $1,000 coffee pots.
Bailouts & Corporate Welfare – $2.5 trillion 2008 banks + COVID PPP fraud ($200B stolen).
Entitlement Explosion Without Reform – $5 trillion added No fixes while lobbyists block changes.
Interest on the Theft – $15+ trillion since 2000 Money that could have cut your taxes — gone forever.

Total stolen: $40+ trillion, more than the debt itself.

The Human Cost – What $38 Trillion Really Steals From Your Family

Your Paycheck: Interest = $3,600/year “debt tax” for $50k household.
Your Kids: They inherit $115,000 each + interest.
Your Retirement: Social Security/Medicare insolvent without reform.
Your Home: Higher rates from debt = 7 %+ mortgages.
Your Freedom: Less money for schools, roads, defense.

The Founders revolted over 3 % tea tax. They would call this slavery.

The Founding Fathers' Fury – What They Would Say About $38 Trillion Debt Today

The Founders revolted over a 3 % tea tax.

They would see $38 trillion as the ultimate tyranny.

Jefferson: “The public debt is the greatest of the dangers to be feared… it will enslave the country.” He would call for immediate paydown and revolution against the “new aristocracy” in Washington.
Hamilton: Favored some debt but managed tightly, he paid off Revolutionary War debt. He would demand balanced budgets and call today’s borrowing “madness.”
Madison: “Power closer to the people”, he would decry bloated federal spending and push devolution to states.
Washington: “Avoid large public debt”, he would slash foreign aid and wars as “entangling alliances.”

They would rally militias, write pamphlets, and overthrow the system.

We the People must do the same, peacefully, with the Act.

The Hidden $2 Trillion “Debt Tax” You Pay Every Year – And How the Act Gives It Back

You don’t see it on your paystub, but you pay a secret $2 trillion debt tax every year:

Higher Prices: Companies offset employee benefits with higher costs at stores.
Higher Premiums: Healthcare waste from debt-driven spending.
Lost Wages: Employers can’t raise pay because of benefits.
Higher Taxes: $1.2T interest + subsidies.

The Act eliminates it, turning waste into take-home cash.

The Elite Enrichment Scheme – How Politicians Get Rich While the Debt Explodes

While debt rose $32T since 2000, politicians got rich.

Average Congress net worth: $1.5M (2000) → $8.2M (2025)
Pelosi: $21M → $120M+
McConnell: $1.2M → $35M+
Presidents: Bush $20M → $80M, Obama $1.3M → $70M, Trump $3B → $6.5B, Biden $9M → $15M+

How? Insider trades, book deals, speaking fees, all legal because of the revolving door.

Pillar 1 bans it. Future: Stock trading ban + pay cap to 1.25x median income.

The Founders envisioned citizen-servants

The Psychology of Debt Acceptance – How Elites Keep Us Complacent

We accept $38T debt because elites use psychology:

Learned Helplessness: “Too big to fix” (74 % feel powerless, Gallup 2025).
Loss Aversion: Fear immediate cuts more than future pain.
Confirmation Bias: Left blames “Republican tax cuts,” right blames “Democrat spending”, both ignore uniparty truth.
Availability Cascade: Media repeats “debt necessary” until it feels true.

The Founders rejected this, they revolted.

We must too.

The We the People Fiscal Responsibility Act – How It Takes the Money Back

One page. Three rules.

Balanced budget (supermajority emergencies)
Debt ceiling lock (surpluses reduce debt)
Tied to Lifetime Lobbying Ban (no funds without it)

With Pillar 2 savings ($1.95T/year), we:

Balance Year 1
Run $1T+ surpluses by Year 5
Pay off $38T by mid-2040s

No new taxes. Just stop the theft.

Media Complicity in the Debt Disaster: How Propaganda Keeps Us Divided While the Elites Cash In

The media isn't just reporting the debt, they’re complicit in hiding how both sides created it.

Left and right media attack the “other side’s” spending while defending their own, all while ignoring how the same elites donate big money to both parties to keep the debt machine running.

Left media: Blame “Republican tax cuts”, ignore Democrat spending.

Right media: Blame “Democrat socialism”, ignore Republican wars.

Both are silent on $700M Pharma donations split 50/50.

Both take billions in ads from the same cartel.

They keep you fighting red vs. blue, so you never fight the uniparty.

The Act ends the scam.

How Left Media Attacks Right Spending While Defending Their Own

MSNBC/CNN: Blast Republican “tax cuts for the rich” as “debt bombs”, but defend Democrat entitlement expansions (ACA subsidies $2.3T since 2010) as “compassionate.” Example: 2024 IRA ($891B spending) called “historic” on CNN, no mention of deficit impact.
Silent on reckless spending from their side: Biden’s $1.2T infrastructure (2021) praised as “jobs,” ignoring $200B pork (GAO 2025).

How Right Media Attacks Left Spending While Defending Their Own

Fox/Newsmax: Scream about Democrat “socialist giveaways” (COVID relief $6T under Trump/Biden), but defend Republican defense bloat ($3T wasted on F-35 overruns since 2000) as “national security.” Example: 2017 TCJA tax cuts ($2.3T revenue loss) called “growth engine” on Fox, no debt warning.
Silent on their side’s waste: Trump’s $7.8T added debt (COVID) blamed on “Democrat lockdowns,” ignoring unneeded PPP fraud ($200B stolen).

How They Don’t Report Elite Donations to Both Sides (With 2024–2025 Examples)

The media never mentions how the same elites give big money to both parties, keeping the debt flowing no matter who wins.

Pharma: $41M in 2024, $20.5M to Democrats (Schumer $1.9M), $20.5M to Republicans (McConnell $2.1M). CNN/Fox silent on how this blocks negotiation.
Wall Street: $298M lobbying 2024, split 52/48 D/R. Media reports “corporate greed” but not how tax cuts (both parties) were bought.
Defense: $340M — 55 % R, 45 % D. Fox defends “strong military,” MSNBC attacks “wars”, neither reports the $3T waste.

Why no reporting? Media takes $4.5B pharma ads yearly (web:23). Conflict of interest.

Why People Believe Their Side Is the Answer and the Other (And Friends/Family) Is the Enemy T

The psychology is simple:

Confirmation Bias: You watch media that confirms “my side good, other side evil.” MSNBC viewers believe Democrats “help poor,” Fox viewers believe Republicans “protect freedom.”
Tribal Loyalty: Parties make debt “us vs. them”, so disagreeing feels like betrayal. 38 % ended family ties over politics (Pew 2025).
Availability Cascade: Media repeats “other side’s fault” until it feels true, ignoring both parties’ $700M from the same elites.
Loss Aversion: Fear “losing my side’s programs” more than the $115,000 debt share.

Result: Friends/family become “enemies” over red vs. blue, while elites laugh.

The We the People Fiscal Responsibility Act ends the lie, both parties caused it, we fix it.

What a Debt-Free America Looks Like in 2045 – The Vision Your Grandkids Will Live

- $2T/year interest savings → 20–30 % tax cuts ($5–10k more take-home)

- Growth 1–2 % higher, millions of jobs

- Fully funded schools, roads, innovation

- Military modernized without borrowing

- Social Security/Medicare solvent forever

Your grandkids ask: “Did people really go bankrupt from hospital bills and owe $115,000 at birth?”

You tell them how you helped make it end.

Frequently Asked Questions – 20 Objections Crushed for the Fiscal Responsibility Pillar Post

“We can’t balance the budget without cutting Social Security or Medicare!” No, the Act ties to Pillar 2 healthcare savings ($1.95T/year) and Pillar 1 waste cuts, entitlements stay intact and become solvent.
“This is too strict, what about emergencies like COVID?” Supermajority (3/5) allows emergency spending, same as war declarations. Protects from abuse.
“Debt is good for growth, look at Japan!” At 130 % GDP, debt slows growth 0.5–1 %/year (CBO). Japan stagnates for decades.
“Tax hikes are the only way!” No, spending caps + $1.95T healthcare savings = surpluses without new taxes.
“This hurts the poor the most!” Poor win biggest, surpluses fund tax cuts and programs.
“Politicians will just ignore the rules!” Pillar 1 lobbying ban ends donor pressure, no funds appropriated without compliance.
“Countries that balanced budgets had recessions!” Sweden, Canada, New Zealand all boomed after surpluses.
“This is Republican austerity to hurt Democrats!” Non-partisan, both parties exploded the debt.
“What about inflation from surpluses?” Debt causes inflation, surpluses reduce it by lowering interest rates.
“The debt isn’t a real problem — we owe it to ourselves!” $1.2T interest is real, more than defense. Foreign holders (China) own 20 %.
“This is un-American — Founders had debt!” Founders paid off debt. Jefferson called it “slavery.” Hamilton managed it tightly.
“We need spending to stimulate the economy!” Waste doesn’t stimulate, private investment does. $2T interest savings = real stimulus.
“Supermajority is undemocratic!” Protects minorities from special-interest raids.
“This locks in current bloated spending!” No, forces prioritization and waste cuts.
“What about military spending?” Debt weakens security, surpluses strengthen it without borrowing.
“Media says it’s impossible!” Media ignores the $38T crisis while taking lobby ads.
“It will never pass Congress!” We primary every refuser. We only need 218 + 60.
“I’m not personally affected!” Your $115,000 share + higher taxes/rates says otherwise.
“What about natural disasters?” Supermajority covers real emergencies.
“What do I do right now to make this real?” Call/email your rep demanding co-sponsorship of the We the People Fiscal Responsibility Act.

Then join:

Join the Revolution

Get the Book: https://a.co/d/dmxAYjK

Your debt share is $115,000. Demand it back.

Are You Upset Yet? – Choose Your Path

You’re angry. Good.

Option A: Keep arguing with family about “my party will fix it.” Donate to the same politicians. Complain, then do nothing.

Result: 2035, $9.2T spending, $58T unfunded, your kids enslaved.

Option B: Demand the We the People Fiscal Responsibility Act today.

Call your rep.

Email the template.

Join the movement.

Result: 2045, debt $0, America free.

Choose.

Thomas Paine's Common Sense – Your Final Call to Action

Thomas Paine’s Common Sense united a divided people against a common enemy.

Rare Sense to Save America is the 21st-century Common Sense, exposing the new kings who steal $38 trillion while you work.

Your ancestors paid with blood.

All we ask is action.

While our text campaign focuses on the Lifetime Lobbying Ban, take action on fiscal responsibility now:

Call your rep/senators
Email the template
Demand co-sponsorship of the We the People Fiscal Responsibility Act

Then join: https://www.raresenseamerica.com/join Book: https://a.co/d/dmxAYjK

The $38 trillion theft ends when We the People say it does.

We are coming.

This is not a “budget problem.” This is not “government spending.” This is theft, $38 trillion stolen from your paycheck, your kids’ future, and your grandkids’ freedom.

While you work harder to pay higher prices, interest on the debt hits $1.2 trillion this year, more than defense, Medicare, or Social Security.

Every man, woman, and child owes $115,000, and the meter is running.

Both parties did this. Both parties profit from it. Both parties lie about fixing it.

The We the People Fiscal Responsibility Act ends the theft, with one page, three rules, and zero new taxes.

But first, feel the rage.

Here’s exactly how the $38 trillion was stolen, and who stole it.

The $38 Trillion Timeline – How Both Parties Robbed You Blind

Year Range	President / Party	Key Theft	Added Debt	Total Debt at End
2000	Clinton (D)	Last surplus	–$236B surplus	$5.6T
2001–2008	Bush (R)	Wars + tax cuts + recession	+$5.8T	$11.9T
2009–2016	Obama (D)	Stimulus + ACA + recovery	+$8.0T	$19.9T
2017–2020	Trump (R)	Tax cuts + COVID	+$7.8T	$27.7T
2021–2025	Biden (D)	Infrastructure + COVID + inflation relief	+$10.3T	$38T

Total added since 2000: $32.4 trillion Interest paid since 2000: $15+ trillion (already more than total debt in 2000)

Both parties. Every time.

The Top 10 Ways They Stole Your Money (With Real 2025 Numbers)

Unneeded Wars – $8 trillion (Brown University 2025) Iraq/Afghanistan, no WMDs, no victory, $2.4T direct + veterans/interest.
COVID Fraud & Panic – $6 trillion $382B fraudulent unemployment to “future” people and infants (DOL 2025). Lockdowns cost $4T lost GDP.
ACA Subsidies to Insurers – $2.3 trillion $1.2B lobbying to pass, now $800B/decade to companies denying claims.
Tax Cuts Without Cuts – $3.5 trillion revenue loss 2017 TCJA + IRA, no spending reductions, deficits explode.
Pork & Vote-Buying – $4 trillion+ Earmarks, farm subsidies to mega-farms, student loan forgiveness to buy votes.
Foreign Aid to Enemies – $1.2 trillion $59B to Pakistan (harbored Bin Laden), $82B to Egypt (anti-U.S.).
Wasted Defense – $3 trillion F-35 overruns, unneeded bases, $1,000 coffee pots.
Bailouts & Corporate Welfare – $2.5 trillion 2008 banks + COVID PPP fraud ($200B stolen).
Entitlement Explosion Without Reform – $5 trillion added No fixes while lobbyists block changes.
Interest on the Theft – $15+ trillion since 2000 Money that could have cut your taxes — gone forever.

Total stolen: $40+ trillion, more than the debt itself.

The Human Cost – What $38 Trillion Really Steals From Your Family

Your Paycheck: Interest = $3,600/year “debt tax” for $50k household.
Your Kids: They inherit $115,000 each + interest.
Your Retirement: Social Security/Medicare insolvent without reform.
Your Home: Higher rates from debt = 7 %+ mortgages.
Your Freedom: Less money for schools, roads, defense.

The Founders revolted over 3 % tea tax. They would call this slavery.

The Founding Fathers' Fury – What They Would Say About $38 Trillion Debt Today

The Founders revolted over a 3 % tea tax.

They would see $38 trillion as the ultimate tyranny.

Jefferson: “The public debt is the greatest of the dangers to be feared… it will enslave the country.” He would call for immediate paydown and revolution against the “new aristocracy” in Washington.
Hamilton: Favored some debt but managed tightly, he paid off Revolutionary War debt. He would demand balanced budgets and call today’s borrowing “madness.”
Madison: “Power closer to the people” — he would decry bloated federal spending and push devolution to states.
Washington: “Avoid large public debt”, he would slash foreign aid and wars as “entangling alliances.”

They would rally militias, write pamphlets, and overthrow the system.

We the People must do the same, peacefully, with the Act.

The Hidden $2 Trillion “Debt Tax” You Pay Every Year – And How the Act Gives It Back

You don’t see it on your paystub, but you pay a secret $2 trillion debt tax every year:

Higher Prices: Companies offset employee benefits with higher costs at stores.
Higher Premiums: Healthcare waste from debt-driven spending.
Lost Wages: Employers can’t raise pay because of benefits.
Higher Taxes: $1.2T interest + subsidies.

The Act eliminates it — turning waste into take-home cash.

The Elite Enrichment Scheme – How Politicians Get Rich While the Debt Explodes

While debt rose $32T since 2000, politicians got rich.

Average Congress net worth: $1.5M (2000) → $8.2M (2025)
Pelosi: $21M → $120M+
McConnell: $1.2M → $35M+
Presidents: Bush $20M → $80M, Obama $1.3M → $70M, Trump $3B → $6.5B, Biden $9M → $15M+

How? Insider trades, book deals, speaking fees — all legal because of the revolving door.

Pillar 1 bans it. Future: Stock trading ban + pay cap to 1.25x median income.

The Founders envisioned citizen-servants

The Psychology of Debt Acceptance – How Elites Keep Us Complacent

We accept $38T debt because elites use psychology:

Learned Helplessness: “Too big to fix” (74 % feel powerless, Gallup 2025).
Loss Aversion: Fear immediate cuts more than future pain.
Confirmation Bias: Left blames “Republican tax cuts,” right blames “Democrat spending” — both ignore uniparty truth.
Availability Cascade: Media repeats “debt necessary” until it feels true.

The Founders rejected this — they revolted.

We must too.

The We the People Fiscal Responsibility Act – How It Takes the Money Back

One page. Three rules.

Balanced budget (supermajority emergencies)
Debt ceiling lock (surpluses reduce debt)
Tied to Lifetime Lobbying Ban (no funds without it)

With Pillar 2 savings ($1.95T/year), we:

Balance Year 1
Run $1T+ surpluses by Year 5
Pay off $38T by mid-2040s

No new taxes. Just stop the theft.

Media Complicity in the Debt Disaster: How Propaganda Keeps Us Divided While the Elites Cash In

The media isn't just reporting the debt, they’re complicit in hiding how both sides created it.

Left and right media attack the “other side’s” spending while defending their own, all while ignoring how the same elites donate big money to both parties to keep the debt machine running.

Left media: Blame “Republican tax cuts”, ignore Democrat spending.

Right media: Blame “Democrat socialism”, ignore Republican wars.

Both are silent on $700M Pharma donations split 50/50.

Both take billions in ads from the same cartel.

They keep you fighting red vs. blue, so you never fight the uniparty.

The Act ends the scam.

How Left Media Attacks Right Spending While Defending Their Own

MSNBC/CNN: Blast Republican “tax cuts for the rich” as “debt bombs” — but defend Democrat entitlement expansions (ACA subsidies $2.3T since 2010) as “compassionate.” Example: 2024 IRA ($891B spending) called “historic” on CNN, no mention of deficit impact.
Silent on reckless spending from their side: Biden’s $1.2T infrastructure (2021) praised as “jobs,” ignoring $200B pork (GAO 2025).

How Right Media Attacks Left Spending While Defending Their Own

Fox/Newsmax: Scream about Democrat “socialist giveaways” (COVID relief $6T under Trump/Biden) — but defend Republican defense bloat ($3T wasted on F-35 overruns since 2000) as “national security.” Example: 2017 TCJA tax cuts ($2.3T revenue loss) called “growth engine” on Fox, no debt warning.
Silent on their side’s waste: Trump’s $7.8T added debt (COVID) blamed on “Democrat lockdowns,” ignoring unneeded PPP fraud ($200B stolen).

How They Don’t Report Elite Donations to Both Sides (With 2024–2025 Examples) The media never mentions how the same elites give big money to both parties — keeping the debt flowing no matter who wins.

Pharma: $41M in 2024 — $20.5M to Democrats (Schumer $1.9M), $20.5M to Republicans (McConnell $2.1M). CNN/Fox silent on how this blocks negotiation.
Wall Street: $298M lobbying 2024 — split 52/48 D/R. Media reports “corporate greed” but not how tax cuts (both parties) were bought.
Defense: $340M — 55 % R, 45 % D. Fox defends “strong military,” MSNBC attacks “wars” — neither reports the $3T waste.

Why no reporting? Media takes $4.5B pharma ads yearly (web:23). Conflict of interest.

Why People Believe Their Side Is the Answer and the Other (And Friends/Family) Is the Enemy The psychology is simple:

Confirmation Bias: You watch media that confirms “my side good, other side evil.” MSNBC viewers believe Democrats “help poor,” Fox viewers believe Republicans “protect freedom.”
Tribal Loyalty: Parties make debt “us vs. them” — so disagreeing feels like betrayal. 38 % ended family ties over politics (Pew 2025).
Availability Cascade: Media repeats “other side’s fault” until it feels true — ignoring both parties’ $700M from the same elites.
Loss Aversion: Fear “losing my side’s programs” more than the $115,000 debt share.

Result: Friends/family become “enemies” over red vs. blue — while elites laugh.

The We the People Fiscal Responsibility Act ends the lie — both parties caused it, we fix it.

What a Debt-Free America Looks Like in 2045 – The Vision Your Grandkids Will Live

- $2T/year interest savings → 20–30 % tax cuts ($5–10k more take-home)

- Growth 1–2 % higher, millions of jobs

- Fully funded schools, roads, innovation

- Military modernized without borrowing

- Social Security/Medicare solvent forever

Your grandkids ask: “Did people really go bankrupt from hospital bills and owe $115,000 at birth?”

You tell them how you helped make it end.

Frequently Asked Questions – 20 Objections Crushed for the Fiscal Responsibility Pillar Post

“We can’t balance the budget without cutting Social Security or Medicare!” No — the Act ties to Pillar 2 healthcare savings ($1.95T/year) and Pillar 1 waste cuts — entitlements stay intact and become solvent.
“This is too strict — what about emergencies like COVID?” Supermajority (3/5) allows emergency spending — same as war declarations. Protects from abuse.
“Debt is good for growth — look at Japan!” At 130 % GDP, debt slows growth 0.5–1 %/year (CBO). Japan stagnates for decades.
“Tax hikes are the only way!” No — spending caps + $1.95T healthcare savings = surpluses without new taxes.
“This hurts the poor the most!” Poor win biggest — surpluses fund tax cuts and programs.
“Politicians will just ignore the rules!” Pillar 1 lobbying ban ends donor pressure — no funds appropriated without compliance.
“Countries that balanced budgets had recessions!” Sweden, Canada, New Zealand all boomed after surpluses.
“This is Republican austerity to hurt Democrats!” Non-partisan — both parties exploded the debt.
“What about inflation from surpluses?” Debt causes inflation — surpluses reduce it by lowering interest rates.
“The debt isn’t a real problem — we owe it to ourselves!” $1.2T interest is real — more than defense. Foreign holders (China) own 20 %.
“This is un-American — Founders had debt!” Founders paid off debt. Jefferson called it “slavery.” Hamilton managed it tightly.
“We need spending to stimulate the economy!” Waste doesn’t stimulate — private investment does. $2T interest savings = real stimulus.
“Supermajority is undemocratic!” Protects minorities from special-interest raids.
“This locks in current bloated spending!” No — forces prioritization and waste cuts.
“What about military spending?” Debt weakens security — surpluses strengthen it without borrowing.
“Media says it’s impossible!” Media ignores the $38T crisis while taking lobby ads.
“It will never pass Congress!” We primary every refuser. We only need 218 + 60.
“I’m not personally affected!” Your $115,000 share + higher taxes/rates says otherwise.
“What about natural disasters?” Supermajority covers real emergencies.
“What do I do right now to make this real?” Call/email your rep demanding co-sponsorship of the We the People Fiscal Responsibility Act. Then join: https://www.raresenseamerica.com/join Book: https://a.co/d/dmxAYjK