Early investment is the long-term foundation.
AIP’s primary long-term funding mechanism is investment growth in individually owned Stability Accounts, seeded at the beginning of life. The Gross Receipts Tax supports initial capitalization, the transition and remaining public responsibilities.
Proposed framework · Updated November 1, 2026
1. Invest at the beginning of life
AIP proposes individually owned Stability Accounts seeded early in life. Initial capitalization gives investment growth time to build resources for healthcare, education and retirement. The seed is public investment; the intended lifetime funding engine is accumulated individual capital and its returns.
2. Let capital support lifetime needs
The goal is to replace dependence on government programs, including Social Security, with individual ownership and financial independence. Communities make domestic service decisions and determine spending and revenue needs under state oversight.
Account growth and obligations →3. Fund the transition and remaining public responsibilities
The long-term funding source and the timing of payment are different questions. Care and education are needed before accounts mature. The existing illustration tracks service costs for later account reconciliation; it does not assume a newborn’s account can pay all current bills. Transitional financing, community payment arrangements, shortfall protection and obligations to existing generations must be explicitly funded and defined.
GRT provides supporting public revenue. Its role must not be confused with a permanent tax-funded national healthcare model. The source, timing and allocation of transition payments must be specified before implementation.
The supporting tax role →The destination: independence, less government and a 2.5% tax target
AIP targets a long-term Gross Receipts Tax rate of 2.5% as individual capital replaces dependence on government support, centralized obligations shrink and federal debt is eliminated. This is a conditional policy goal, not a demonstrated sufficient rate or a fixed timetable.
The aim is to eliminate dependence on government support by building individual capital and capability. Local delivery and state oversight replace centralized domestic decision-making. A reduced federal role and actual fiscal surpluses are intended to support debt elimination. Lower debt-related fiscal pressure may help inflation management; it does not guarantee stable prices.
What the current numbers do—and do not—show
The retained first-year reference has $7.7684 trillion in revenue and $8.07 trillion in spending, leaving a $301.6 billion gap. It is an earlier transition-oriented arithmetic reference, not a budget for the fully decentralized destination. Future account balances cannot be counted as present public revenue, and repayments cannot be counted twice.
Budget reference →Housing is a separate application
Resident savings from monthly housing payments are distinct from birth-seeded investment accounts. Housing illustrates local capital-building; its payment pool is not a source for nationwide healthcare or education.
Housing details →