The goal is to make the U.S. fiscally solvent without austerity, new taxes, or inflation, while creating a national framework that rewards productivity, innovation, and savings.

Core Mechanism • Weekly payroll contributions (e.g., $600) are flipped by the Federal Reserve through reserve banking principles → $5,400 in new capital. • Half is returned to the worker, the other half split between the National Budget and Social Security Trust Funds. • Every participant receives a 10% annual capital return, aligning personal income with national capital growth. • Traditional taxes (income, corporate, payroll, capital gains, etc.) are eliminated.

Debt & Sovereign Model • The Top 250 wealthiest Americans contribute capital infusions and sovereign equity allocations to retire the federal public debt. • The Bottom 250 U.S. counties receive capital-flipping authority through a Sovereign Wealth Fund (SWF) to resolve student loans, consumer debt, and state liabilities. • Replaces leveraged buyouts with equity-based value creation — capital and ownership stay domestic.

Outcomes • U.S. transitions from borrowing to self-financing. • Public debt paid down through internal capitalization. • Citizens and enterprises receive direct capital returns instead of tax refunds. • Incentives are aligned: those who create value share in national upside.

I will post the full plan after careful consideration and critique from the HN community!

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Questions for HN

1. What are the macro-economic or technical flaws you see in flipping payroll capital this way?

2. Could a Fed-IRS dual system manage this at scale using digital rails or tokenized reserves?

3. Would equity-based debt retirement (Top 250 / Bottom 250) be politically and legally feasible?

4. How might we pilot this through an existing SWF or state-level trial?

Appreciate any thoughtful critique — especially from economists, engineers, and policy thinkers interested in systemic reform.