We the People Fiscal Responsibility Act -Pillar 3

This is Pillar three of our We the People Movement. A realistic plan to reach a balance budget, generate a surplus and pay off the national debt! Time for We the People to take action!

We the People Fiscal Responsibility Act: The One-Page Plan to Balance the Budget, Run Surpluses, and Pay Off the $38 Trillion National Debt

In 2025, America’s national debt stands at $38 trillion, more than 130 % of GDP.

Interest payments alone will hit $1.2 trillion this year, more than we spend on defense, Medicare, or Social Security.

Every man, woman, and child owes $115,000, before a single new dollar is borrowed.

And both parties keep spending because the revolving door lets them cash in after leaving office.

This is not a crisis. This is theft, from your paycheck, your kids’ future, and your grandkids’ freedom.

There is a proven way out, already used by countries like Sweden, Canada, and New Zealand in the 1990s.

It’s the We the People Fiscal Responsibility Act, one page, three simple rules, zero new taxes, and a path to pay off the entire debt by the mid-2040s.

The Three Rules of the We the People Fiscal Responsibility Act

SECTION 1. Balanced Budget Requirement Beginning fiscal year 2030, federal outlays shall not exceed federal receipts unless a supermajority (three-fifths) of both Houses declares a national emergency. Any surplus shall be applied first to debt reduction.

SECTION 2. Debt Ceiling Lock The statutory debt limit shall be automatically reduced by the amount of any annual surplus until the national debt is eliminated.

SECTION 3. Lifetime Lobbying Ban Enforcement Tie No federal funds may be appropriated unless the Lifetime Lobbying Ban (Pillar 1) is fully enacted and enforced.

That’s it. One page. No gimmicks. No “trust funds.” No off-budget tricks.

Just the same rule every American family lives by: Don’t spend money you don’t have.

What Happens When the We the People Fiscal Responsibility Act Passes

2027–2029: Transition Phase

Lifetime Lobbying Ban (Pillar 1) already law, waste drops 20–30 % immediately (historical data from countries with bans)
Healthcare savings from Pillar 2 add $1–$1.5 trillion/year by 2030
Congress forced to prioritize, no more $1,000 coffee pots or $10,000 toilet seats

2030: First Balanced Budget

Revenue: ~$5.5 trillion
Spending capped at revenue
Surplus: $200–$500 billion applied directly to debt

2035: Debt Below 60 % of GDP

Interest payments fall from $1.2T → $400B
Surplus grows to $1–$1.5 trillion/year

2045: National Debt = $0

America debt-free for the first time since 1835
Interest savings: $2 trillion/year forever
Tax cuts or new investments, your choice

Your kids inherit freedom, not chains.

Family-by-Income Impact – What You Gain

That’s real money back in your pocket, forever.

The History of U.S. National Debt – How It Exploded Since 2000 and Why Annual Deficits Skyrocketed

The U.S. national debt wasn't always a $38 trillion monster. In 2000, it stood at about $5.6 trillion, or 58% of GDP, a level many economists considered manageable after a brief surplus in the late 1990s under President Clinton.

But since 2000, the debt has exploded by over 600%, driven by a perfect storm of wars, tax cuts, economic crises, and unchecked spending from both parties.

2001–2008 (Bush Era): The September 11 attacks led to the Afghanistan and Iraq wars, costing $2.4 trillion by 2025 (Brown University estimate). Bush tax cuts (2001, 2003) reduced revenues by $5.9 trillion over 10 years (CBO). Annual deficits jumped from $128 billion surplus in 2001 to $458 billion deficit in 2008. The Great Recession (2008) added $787 billion stimulus, pushing debt to $11.9 trillion (84% GDP) by 2009.
2009–2016 (Obama Era): Stimulus continued with $831 billion ARRA (2009). ACA subsidies added $2.3 trillion over 10 years (CBO 2025). Wars and recovery spending kept deficits above $1 trillion/year from 2009–2012. Debt doubled to $19.9 trillion (105% GDP) by 2017.
2017–2020 (Trump Era): Tax cuts (2017) reduced revenues by $2.3 trillion over 10 years (CBO). Pre-COVID deficits hit $984 billion in 2019. COVID response added $6 trillion in 2020 alone (CARES, PPP). Debt reached $27.7 trillion (129% GDP) by 2021.
2021–2025 (Biden Era): Infrastructure (2021) $1.2 trillion, Inflation Reduction Act (2022) $891 billion, continued COVID relief. Deficits averaged $1.8 trillion/year. Debt hits $38 trillion (130% GDP) by end-2025, with interest payments $1.2 trillion.

Why the explosion? Both parties prioritized donor-favored spending (defense for Republicans, entitlements for Democrats) while cutting taxes for votes. Low interest rates (2009–2022) made borrowing “cheap”, until rates rose in 2023, turning interest into the fastest-growing expense.

Annual deficits since 2000 have averaged $1 trillion, turning a manageable debt into a generational thief.

How We the People Have Been Asleep at the Wheel – Allowing This Debt Disaster to Happen

The Founding Fathers warned us. Thomas Jefferson said, "The public debt is the greatest of the dangers to be feared." Alexander Hamilton, who favored some debt, cautioned it must be managed, or it would "enslave the country."

Yet, We the People have been asleep at the wheel, allowing politicians to rack up $38 trillion while we fight over red vs. blue.

How?

Psychology of Acceptance: Loss aversion, we fear immediate tax hikes more than future debt. Learned helplessness, “it’s too big to fix” (74 % feel powerless, Gallup 2025). Social norms, high taxes accepted as “normal”.
Propaganda Media: Media frames debt as “necessary for growth” ignoring $1.2 trillion interest waste. Both sides use fear: Democrats “cuts hurt poor,” Republicans “taxes kill jobs.”
Bloated Govt & Corruption: We accept 4,000+ page bills stuffed with pork because lobbyists write them (revolving door).
Psychology: Diffusion of responsibility, “someone else will fix it.”
High Taxes Acceptance: 60 % think taxes are fair if “services” returned, but services like healthcare cost 18 % GDP because of corruption.

The Founding Fathers would be horrified and call for revolution against this “enslavement.”

We the People must wake up, demand the Fiscal Responsibility Act or lose our freedom.

The Devastating Effects of $38 Trillion Debt on Our Country

The debt isn’t just a number, it’s a chain around America’s neck.

Economic Drag: Interest payments ($1.2 trillion 2025) crowd out investment, $2.5 trillion less private capital by 2035 (CBO). Growth slows 0.5–1 %/year, costing millions of jobs.
Inflation & Rates: Debt forces higher interest rates, mortgages at 7 %+ (2025), car loans 10 %+. Inflation erodes wages.
National Security: Debt makes us vulnerable to China (holds $859B U.S. treasuries). Can't afford defense upgrades.
Future Taxes & Cuts: CBO 2025: 20–30 % tax hikes or deep cuts to Social Security/Medicare by 2035.
Generational Theft: Your kids pay $115,000 each + interest. Reduced education, infrastructure.

The Founders would see it as treason, Hamilton warned uncontrolled debt would “enslave the country.”

The Fiscal Responsibility Act breaks the chains.

What We Could Do Once We’re Out of Debt – A Debt-Free America

Once the $38 trillion debt is paid off (mid-2040s under the Act):

$2 trillion/year interest savings, back to taxpayers.
Lower Taxes: Cut income taxes 20–30 %, $5,000–$10,000 more take-home pay for middle class.
Invest in Future: Fully fund education ($1 trillion/year), infrastructure ($500B), innovation ($300B).
Economic Boom: Growth jumps 1–2 %/year, millions of jobs, higher wages.
National Security: Fully modernized military without borrowing.
Social Programs: Social Security/Medicare solvent forever, no cuts, no hikes.
Personal Freedom: No more government chains, your money is yours.

The Founders fought for a free nation, not one enslaved to debt. They would applaud this as true patriotism.

The Act makes it real.

History of Countries That Paid Off Debt – And How They Did It

Countries have paid off debt, and thrived.

Sweden (1990s): Debt 70 % GDP in 1993. Spending cuts + pension reform → surplus by 1998, debt down to 40 % by 2000. Growth averaged 3.5 %/year.
Canada (1990s): Debt 67 % GDP in 1995. 20 % spending cuts, no new taxes → surplus by 1998, debt halved by 2005. Economy boomed.
New Zealand (1990s): Debt 50 % GDP in 1992. Privatization + welfare reform → surplus by 1994, debt to 20 % by 2000. Growth 4 %/year.

How? Cut waste, enforce rules, no revolving door. America can do it faster, with $1.95 trillion healthcare savings + lobbying ban.

The Founders would see this as the path to true independence.

How We the People Accepted High Taxes, Bloated Govt, Corruption, and Propaganda Media – The Psychology Behind It

We the People have accepted $38 trillion debt because elites use psychology to keep us compliant.

High Taxes: Loss aversion, we pay to avoid IRS penalties. Social norms, “everyone pays”, Fairness illusion “services returned”.
Bloated Govt: Learned helplessness “too big to change” (74 % powerless). Authority bias, trust “experts”.
Corruption: Cynicism, "all politicians corrupt” (68 % believe). Diffusion of responsibility, “someone else will fix it.”
Propaganda Media: Confirmation bias, we watch what confirms our views. Availability cascade, repeat lies until they feel true.

The Founders would be disgusted; they revolted over 3% tea tax. They would call this tyranny and rally the people.

We the People must reject the psychology and demand the Act.

Timeline Breakdown: From $38 Trillion Debt to Balanced Budget, Surpluses, and Full Payoff

(The Numbers, Phases, and Founding Fathers' Alignment – Powered by Pillars 1 & 2)

The We the People Fiscal Responsibility Act doesn’t work in isolation. It’s tied to Pillar 1 (Lifetime Lobbying Ban) to end elite capture and waste, and Pillar 2 (We the People Healthcare Act) to generate immediate massive savings.

This timeline is conservative, based on CBO 2025 baseline, historical data from countries like Sweden/Canada (1990s debt paydown), and Pillar 2 savings ($1.95T/year by mid-2030s).

No new taxes. No cuts to core services. Just shrinking bloated government, cutting waste, and pushing power back to states/people,, as the Founding Fathers intended (Jefferson: “The public debt is the greatest danger”; Hamilton: “Debt enslaves the country”).

Phase 1: 2026–2029 – Transition & Pillar Activation (Debt: $38T → $40T, but Waste Drops 20–30%)

2026 (Year 1 – Pillar 1 Enacted): Lifetime Lobbying Ban passes via text campaign pressure (10M+ texts to 50409). Ex-members can’t cash in, waste drops 20–30 % immediately (Taiwan precedent: lobbying spend down 68 %). Annual deficit: $1.8T → $1.4T. Debt: $38T → $39.4T. Founding Tie: Like the Founders banning British corruption, this ends the uniparty. Power shifts to citizens.
2027 (Pillar 2 Enacted): We the People Healthcare Act passes. Transparency + cash model saves $420B. Deficit: $1.4T → $980B. Debt: $39.4T → $40.4T. Cuts: Shrink HHS bureaucracy (30 % admin waste, GAO), push health decisions to states/doctors.
2028: HSA deposits + hospital monopolies break save $380B + $290B. Deficit: $980B → $310B. Debt: $40.4T → $40.7T. Cuts: Devolve federal programs to states (education, welfare), Jefferson’s “closer to the people” vision.
2029: Capitation + drug negotiation save $260B + $300B. Deficit: $310B → $50B. Debt: $40.7T → $40.75T. Cuts: Cut foreign aid/defense pork ($200B, CBO), Founders warned against entangling alliances.

Phase 2: 2030–2035 – Balanced Budget & Early Surpluses (Debt: $40.75T → $25T)

2030: Tort reform + tech overhaul save $180B + $110B. Total savings $1.94T. Revenue $5.5T, spending capped at revenue. First Balanced Budget. Surplus: $200B applied to debt. Debt: $40.75T → $40.55T. Cuts: End corporate subsidies ($150B/year), Hamilton hated cronyism.
2031: Savings compound to $2.1T. Surplus: $500B. Debt: $40.55T → $40.05T. Cuts: Shrink IRS/Federal agencies (20 % staff), Founders feared standing bureaucracies.
2032: Surplus: $800B. Debt: $40.05T → $39.25T. Cuts: Devolve transportation to states ($100B), Madison’s federalism.
2033: Surplus: $1.1T. Debt: $39.25T → $38.15T. Cuts: End foreign military bases ($200B), Washington’s non-intervention.
2034: Surplus: $1.4T. Debt: $38.15T → $36.75T. Cuts: Privatize Amtrak/Post Office ($50B), Jefferson’s small government.
2035: Debt below 60 % GDP. Surplus: $1.5T. Debt: $36.75T → $35.25T. Cuts: Cut farm subsidies ($20B), Founders were farmers, hated handouts.

Interest falls from $1.2T → $400B, freeing $800B/year for tax cuts.

Phase 3: 2036–2045 – Massive Surpluses & Full Payoff (Debt: $35.25T → $0)

2036: Surplus: $1.6T. Debt: $35.25T → $33.65T. Cuts: Devolve EPA regs to states ($100B), Founders distrusted central power.
2037: Surplus: $1.7T. Debt: $33.65T → $31.95T. Cuts: End student loan subsidies ($150B), education to states.
2038: Surplus: $1.8T. Debt: $31.95T → $30.15T. Cuts: Cut foreign aid ($40B), Jefferson’s isolationism.
2039: Surplus: $1.9T. Debt: $30.15T → $28.25T. Cuts: Shrink VA bureaucracy ($50B), serve veterans locally.
2040: Surplus: $2.0T. Debt: $28.25T → $26.25T. Cuts: Devolve commerce regs ($80B), Madison’s federalism.
2041: Surplus: $2.1T. Debt: $26.25T → $24.15T. Cuts: End energy subsidies ($50B), free market.
2042: Surplus: $2.2T. Debt: $24.15T → $21.95T. Cuts: Devolve labor regs to states ($60B), small government.
2043: Surplus: $2.3T. Debt: $21.95T → $19.65T. Cuts: Cut R&D pork ($100B), private sector innovation.
2044: Surplus: $2.4T. Debt: $19.65T → $17.25T. Cuts: End housing subsidies ($40B), local control.
2045: Surplus: $2.5T. Debt = $0. First debt-free America since 1835.

Interest savings: $2 trillion/year forever, tax cuts or investments.

The Founding Fathers Would Be Furious – And Call for Revolution

Jefferson: “The public debt is the greatest danger.” He would see $38 trillion as treason. Hamilton: “Debt enslaves the country.” He would demand immediate paydown. Madison: “Power closer to the people.” He would applaud devolving to states. Washington: “Avoid entangling alliances.” He would cut foreign spending.

The Founders revolted over 3 % tea tax. They would rally against this enslavement, and praise the Act as patriotic.

We the People must do the same.

The History of Unneeded U.S. Spending Since 2000 – Trillions Wasted on Wars, COVID Blunders, Pork, ACA Subsidies, Foreign Aid, Vote-Buying, Defense Pork, and More

Since 2000, U.S. spending has ballooned from $1.8 trillion to $6.8 trillion annually, with deficits averaging $1 trillion/year. Much of it was unneeded, wars of choice, pandemic panic, lobbyist giveaways, and politician self-preservation. Here’s the year-by-year breakdown of the biggest wastes (sources: CBO, GAO, Brown University Costs of War, OpenSecrets, and CMS 2025 reports). The Founders would call this treason, Jefferson warned against debt as "swarms of officers to harass our people and eat out their substance."

2001–2025: Unneeded Wars in Iraq and Afghanistan – $8 Trillion Wasted Post-9/11 invasions based on faulty intelligence (no WMDs in Iraq, no direct Al Qaeda tie). Costs: $2.3 trillion direct + $5.7 trillion in interest/veterans care. 900,000+ dead, no strategic win. Alternative: Targeted counter-terror, $500B max. Waste: $7.5 trillion.

2008–2010: Wall Street Bailouts and Stimulus – $2.5 Trillion Unneeded TARP ($700B) and ARRA ($831B) bailed out banks that caused the crisis. Much went to bonuses/exec pay. GAO audits showed $1 trillion in low-interest loans to foreign banks. Alternative: Let bad banks fail, targeted aid to citizens, $1 trillion saved. Waste: $1.5 trillion.

2010–2025: ACA Subsidies – $2.3 Trillion to Insurers (Lobbyist Giveaway) Passed after $1.2B in lobbying (record). Subsidies cost $800B/decade, flowing to insurers who deny claims and pocket $70B profits/year. If we had passed a We the People-style reform (Pillar 2) instead, no subsidies needed, $1.95T/year savings from transparency/competition. Waste: $2.3 trillion (and counting).

2011–2025: Foreign Aid to Non-Supporting Countries – $1.2 Trillion. $59B to Pakistan (harbored Bin Laden), $82B to Egypt (anti-U.S. policies), $45B to Ukraine (ongoing). Often untracked, corrupt (GAO 2025). Alternative: Tie aid to U.S. interests, $600B saved. Waste: $600B. Washington warned against “entangling alliances.”

2017–2025: Tax Cuts Without Spending Cuts – $3.5 Trillion Revenue Loss 2017 TCJA reduced revenues $2.3T/10 years (CBO). Biden’s IRA added $891B spending without offsets. No spending cuts, deficits exploded. Alternative: Cut waste first, $2T saved. Waste: $1.5T.

2020–2025: Poor COVID Policies – $6 Trillion Unneeded CARES/PPP ($3T) riddled with fraud ($200B stolen, GAO). Lockdowns cost $4T in lost GDP.. Unneeded school closures, mask mandates without evidence. Alternative: Targeted aid to vulnerable, $3T saved. Waste: $3T.

2000–2025: Pork Spending & Vote-Buying – $4 Trillion+ $1T in earmarks (bridges to nowhere, teapot museums). Farm subsidies ($20B/year) to mega-farms. Student loan forgiveness ($1.6T proposed) to buy young votes. Politicians spend to win reelection. Alternative: Ban earmarks, $2T saved. Waste: $2T.

2000–2025: Wasted Defense Spending – $3 Trillion $1.5T F-35 program (over budget, underperforming). $100B/year on unneeded bases. Pork like $1,000 coffee pots. Alternative: Audit Pentagon (failed 8 audits) $1.5T saved. Waste: $1.5T.

Total unneeded spending since 2000: $20+ trillion, half the debt. We the People slept while elites spent.

The Act ends it.

Beyond the Trillions: The Most Insane, Jaw-Dropping Examples of Wasteful Government Spending (2024–2025)

The $20 trillion in unneeded spending since 2000 is staggering, but the individual examples are what make your blood boil.

These are not accidents. These are deliberate choices by a government that has forgotten it serves We the People.

Here are some of the most outrageous wastes uncovered in recent Congressional hearings, GAO reports, and oversight investigations, all while your family pays $1.2 trillion in interest on the debt.

Foreign Aid Gone Wild – Your Tax Dollars Funding Drag Shows and Comic Books Abroad

Drag Performances in Ecuador: $20,600 grant to a cultural center in Cuenca for 12 drag theater performances, workshops, and a documentary to promote “diversity and inclusion.” (State Department, 2024)
Transgender Opera in Colombia: $25,000 to fund a transgender opera production. (USAID, 2024)
Transgender Comic Book in Peru: $32,000 to produce a comic book featuring a transgender hero addressing social and mental health issues. (USAID, 2025)
LGBTQ Acceptance in Botswana: $300,000 grant to promote social acceptance of LGBTQI+ persons among traditional and religious groups. (U.S. Mission Botswana, 2025)
Sesame Street in Iraq: $20 million to produce a local version of Sesame Street. (USAID, pre-2025 but still cited in 2025 hearings)

While Americans struggle with $27,000 family premiums, your tax dollars fund drag shows in Ecuador.

Domestic Waste and Fraud – Billions Thrown Away on Impossible and Absurd Programs

Medicare Improper Payments: $54 billion in 2024 alone, up $3 billion from 2023. (CMS 2025 report)
Fraudulent Unemployment to “Future” People: $382 million paid to individuals with birthdates in the future, infants, and people over 115 years old. (Department of Labor, 2025)
SBA Loans to Children: $312 million in business loans to kids aged 11 and under. (Small Business Administration, 2025)
Diverse Bird Watching Groups: $288,563 from the National Science Foundation to create “affinity groups” for bird watchers based on identity, with no evidence of discrimination. (NSF, 2025)
EPA One-Room Museum: $4 million to build a single-room museum inside EPA headquarters. (EPA, 2024)

Congressional Lavish Spending – While They Lecture You on Sacrifice

Congressional perks and waste continue unchecked:

Private Jets and Luxury Travel: Members and staff racked up millions in private-jet travel (often “official business” to resorts). Example: 2024–2025, over $10 million in military air travel for congressional delegations (CODELs) to exotic locations.
Gourmet Meals and Catering: House and Senate dining rooms charged taxpayers $1.5 million+ for lavish meals, including $500-per-person events.
Office Renovations and Perks: Millions spent on office redecorating, premium gym memberships, and car services, while debt interest hits $1.2T.
Staff Bonuses and Raises: Congressional staff salaries rose 21 % since 2020, with bonuses up to $30k, while Social Security gets no COLA adjustment in some years.

These are not “necessary expenses.” These are elites living like kings while your family skips doctor visits.

The We the People Fiscal Responsibility Act ends this madness, with a balanced budget, surplus, and debt payoff.

No more $20 million Sesame Street in Iraq. No more $32,000 transgender comic books. No more $54 billion Medicare fraud.

Your money back in your pocket.

Demand it today

Federal Government Pensions: The $120 Billion Annual Giveaway – And How to Transition to 401(k)s for Civilians (Excluding Military Heroes)

The federal government’s civilian pension system is a bloated, taxpayer-funded luxury that costs us $120 billion annually, more than the entire budget of the Department of Education or the EPA.

This isn’t a reward for service. It’s a golden parachute for bureaucrats who have never risked their lives like our military heroes.

The We the People Fiscal Responsibility Act ends this inequality with a simple transition: 401(k)-style plans for all civilian federal employees (excluding military, who deserve their earned pensions for putting their lives on the line).

If 401(k)s are good enough for us “cake eaters” (the French Revolution’s term for out-of-touch elites like Marie Antoinette, who said “let them eat cake” while the people starved), then they’re good enough for government employees.

Here’s the cost, the plan, the transition, and the massive savings, all aligned with the Founding Fathers’ vision of citizen-servants who serve briefly and return to private life, not career politicians getting rich off the public teat.

Current Cost of Federal Civilian Pensions – A $120 Billion Scandal

The Civil Service Retirement System (CSRS) and Federal Employees Retirement System (FERS) for 2.1 million civilian employees (excluding 1.4 million military) cost taxpayers $120 billion in 2025 (OPM FY 2025 estimates).

CSRS (pre-1987 hires): Defined benefit pensions averaging $35,000/year, fully funded by taxpayers (no employee contributions).
FERS (1987–present): Hybrid with employee contributions (0.8–4.4 % salary,), but still $100 billion/year in taxpayer subsidies for annuities and health benefits.
Total Annual Cost: $120 billion up from $90 billion in 2020, driven by COLAs (2.8 % for CSRS, 2.0 % for FERS in 2026).
Unfunded Liability: $2.1 trillion for FERS alone (CBO 2025) a ticking bomb adding to the $38 trillion national debt.

This system is unsustainable and unfair. Private-sector workers (us “cake eaters”) get 401(k)s with average employer matches of 4.6 %, while federal civilians get guaranteed pensions averaging 1.5x their final salary.

The Founders would be outraged, Jefferson called public debt “enslavement,” and Madison envisioned Congress as “citizen-legislators” taking a break from private life to serve, not a career path to riches.

The Proposal: Transition Civilian Federal Employees to 401(k)s (Military Exempt)

Transition all civilian federal employees (executive, legislative, judicial, excluding military) to 401(k)-style defined contribution plans, matching the average U.S. employer contribution of 4.6 % of salary.

Why Exclude Military? They put their lives on the line, they deserve earned pensions (costing $80 billion/year for 1.4 million active/reserve). Civilians don’t.
French Revolution Tie-In: Like Marie Antoinette’s “let them eat cake” elites feasting while the people starve. Federal pensions are the modern examples of elites feasting: lavish for bureaucrats while families eat the $115,000/child in debt "cake".

This aligns with the Founders’ vision: Congress and govt as temporary service, not a path to wealth (Jefferson: “The citizen who serves should return to the plow”).

How the Transition Works – Step-by-Step (No Disruptions, Gradual Rollout)

Current Employees (Grandfathering): Keep existing pensions for those 55+ or with 20+ years service (protects 40 % of workforce). New hires and under-55s transition to 401(k).
New Hires (Immediate): Start on 401(k) from Day 1, 4.6 % govt match (vested after 3 years).
Mid-Career Transition: For 5–19 years service, hybrid: Keep partial pension + 401(k) with match.
Implementation Timeline:
- 2027: Legislation passes.
- 2028: New hires switch.
- 2030: Mid-career hybrids begin.
- 2035: Full transition (CBO estimate: $10B savings from annuity supplement cut alone).
Matching Contributions: Govt matches 4.6 % of salary (U.S. average), capped at median income ($83,730,) to keep it fair.

No disruptions, seamless like FERS in 1987.

The Massive Savings – $50 Billion/Year and Growing

Transitioning civilian pensions to 401(k)s saves $50 billion annually by 2035 (CBO 2025 estimates, $10B from annuity supplement elimination alone; $40B from shifting to contributions).

10-Year Savings: $500 billion (Mercatus Center 2025).
Unfunded Liability Reduction: $1.5 trillion (CBO).
Compounding Effect: With surpluses, total savings $2 trillion by 2045.

Congress pay cap: Limit to 1.25x median household income ($83,730 x 1.25 = $104,663).

Current: $174,000, for 535 members = $93 million/year.
Capped: $104,663 x 535 = $56 million/year.
Annual Savings: $37 million + staff cuts (average staff pay $170k, cap to $104k = $100M+ savings).

Total from pensions + pay cap: $50 billion/year, enough to pay off the debt 10 years faster.

The Founders would applaud: Congress as citizen-servants.

The Act makes it real, no more bloated pensions for bureaucrats.

Frequently Asked Questions – 20 Objections Crushed

“We can’t balance the budget without cutting Social Security!” No, the Act caps spending but ties to Pillar 1 & 2 savings ($1.95T healthcare alone), entitlements stay intact.
“This is too strict, what about emergencies?” Supermajority for emergencies, same as war declarations.
“Debt is good for growth!” At 130 % GDP, it slows growth 0.5–1 %/year (CBO).
“Tax hikes are needed!” No, spending caps + savings = surpluses without hikes.
“This hurts the poor!” Surpluses fund tax cuts and programs, poor win most.
“Politicians will ignore it!” Pillar 1 lobbying ban ends donor pressure.
“Countries that balanced budgets regretted it!” Sweden, Canada, New Zealand all boomed after.
“This is Republican austerity!” Non-partisan, both parties caused the debt.
“What about inflation?” Debt causes inflation, surpluses reduce it.
“The debt isn’t a problem!” $1.2T interest is a problem, more than defense.
“This is un-American!” The Founders hated debt, Jefferson called it “slavery.”
“We need more spending!” We need smarter spending, waste is $1–2T/year.
“Supermajority is too high!” Protects from special interests.
“This locks in bloated govt!” No, forces prioritization.
“What about military?” Debt weakens security, surpluses strengthen it.
“Media says it’s radical!” Media ignores the $38T crisis.
“It will never pass!” We primary them until it does.
“I’m not affected!” Your $115,000 share says otherwise.
“What about COVID-style crises?” Supermajority allows emergency spending.
“What do I do right now?” Call/email your rep demanding co-sponsorship. Join the movement.

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 borrow from your children to buy votes today.

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 (coming soon)
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 debt is not inevitable. It’s a choice.

Choose freedom

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