Steward America as a shared, intergenerational portfolio
The only system designed as a portfolio of investments, with expenditures optimized to yield maximum returns in national productivity, security, efficiency, durability, and sustainability. It invests in its people, its built and natural world, and the institutions that hold them together, wherever the returns are highest; prices every harm honestly; collects obligations long deferred; and retires the debt on a statutory schedule. Each goal below names the engine built to deliver it.
America’s portfolio holds four asset classes — human, built, natural, and institutional. Every American is a steward of all four, and every American collects the returns: productivity, security, efficiency, durability, sustainability. The Accord is the management discipline — invest where the returns are highest, price every harm honestly, settle obligations long deferred, and publish the results so any steward can check them.
Mechanisms that exist nowhere else in the 2029 field.
Each program is admitted and measured by its rate of return in national productivity, security, and durability — investments we cannot afford not to make. Delivery is direct and automatic — without means-testing, edge cases, or expanded bureaucracy.
Pay our own bills. Clean our own waste.
Demanding for some, better for most, owed either way — every year of delay compounds the bill and hands it to the grandchildren. Who gains, who carries more, who has to change:
We deleted the tax-deferred alphabet — the 401(k), the IRA, and the hundreds of pages that police them. Forty years of evidence shows the subsidy paid people for saving they would have done anyway, paid most to those who needed it least, and built an industry around the paperwork. What actually creates saving is automatic enrollment, so the Accord keeps that: every worker is enrolled by default in the public account, with near-zero fees, portable across every job, and a guaranteed floor underneath so no retirement falls through. Gains are taxed when taken. Withdrawal is free at any time, because it is your money. The deletion is one instance of a larger rule: the Accord ends tax deferral everywhere, and any delay the law still allows carries interest.
Follow every dollar
Closing the escape routes →Today’s law on the left, the Accord on the right. Revenue flows into the General Fund and two ring-fenced trusts, then out to coverage, the family floor, infrastructure, and debt retirement. Toggle Top 2% or Top 0.2% to see what the very top actually pays after avoidance — a thin sliver under today’s rules, a far wider band once the escape routes close.
How it works: nine engines that raise revenue and deliver benefits, five governors that hold the system solvent by law, two trusts that spend only what harm pricing collects
Pick the door that matches your role.
All of this asks America to be shrewd — and shrewdness, compounding for fifty years, turns out to be the most generous thing a nation can do.
A new democracy for a new century — capable, fair, and built to earn its place in every generation.