How it works
Stop spending through the system. Start investing in you.
Everyone gets an account. No opt-out. No blend. At 62 you receive what remains.
The four moves
01
Investments, not spending
Congress still authorizes the same amounts it has spent on covered social programs. Instead of routing that money through bureaucracies and NGOs, it is invested into personal Freedom Accounts. Every citizen and lawful resident gets one. No opt-out.
02
You decide what to use
You pay for education, healthcare, utilities, a primary home, legal defense, and donations to causes you choose. What you do not use stays invested and compounds. Unused agency money at fiscal year-end also flows into accounts.
03
A public Trust, not a slush fund
The Treasury Secretary chairs the Trust. States run day-to-day enrollment. Congress creates the structure but cannot raid the capital. A 5% management fee is split between Treasury and the States.
04
Own it. Pass it on.
Everyone gets an account — no opt-out, no blend. Restricted uses before 62. At 62 you receive what remains. Accounts are inheritable, so the next generation starts with capital, not debt.
From day one
The path of a dollar
01
Congress authorizes. The Trust invests.
The same covered amounts still get authorized. They do not get spent through agencies and NGOs. They are invested into personal Freedom Accounts.
02
Treasury chairs. States enroll.
The Treasury Secretary chairs the Trust. States run enrollment. A 5% fee is split between Treasury and the States. Congress cannot raid the capital.
03
FIN proves you are in.
Citizens and lawful residents receive a Freedom Identification Number. Recertify every ten years. Recertification can serve the Census so only eligible people receive benefits.
04
Everyone gets an account. No opt-out. No blend.
Every citizen and lawful resident receives a Freedom Account. There is no opt-out and no 50/50 split with Social Security.
05
You use it — or it compounds.
Education, healthcare, utilities, a primary home, legal defense, donations you choose. Unused balances stay invested. Unused agency money at year-end flows to you.
06
January 2028: Freedom Accounts only.
Social Security enrollment ends December 31, 2027. The last person enrolled is the last person in. They keep it. No new enrollments. January 2028 it is Freedom Accounts only. The phase-out starts 20 years later — January 2048 — and finishes with that last enrolled generation.
07
November 1, you see the score.
Each year the people can see how efficient government is by how much was invested into Freedom Accounts. On election years, you vote the record.
08
At 62, you receive what remains. Then you pass it on.
Restricted uses before 62. At 62 you receive what remains. Accounts are inheritable. The next generation starts with capital, not debt.