Hi, ______________ I’m quite sure that you will be in complete agreement with what I have to say in this post because it is probably the greatest opportunity to integrate a grace/gratitude evoking experience into the everyday life of everyone that humanity has ever had. That’s a bold statement, but I stand by it, and if you stay with me here I think you will agree.

Two little preliminaries before I give you the exact ways that this could be accomplished. #1 Who participates in retail sale? That’s right, everyone. #2 How do banks create new money? By doing one thing, creating the accounting operations of equal debits and credits that sum to zero. Consult Steve Keen a world famous economist if you disagree or want proof of this, but its a fact, a very powerful fact for the banks…and for everyone else…if that same thing is utilized to evoke the grace/gratitude experience I’m talking about.

Okay, buckle up. A policy of a 50% discount to the individual at retail sale (that remember everyone participates in), every penny of which discount is rebated back to the merchant giving it to the consumer (equal debits and credits that sum to zero), so that the merchant is made whole on their entire price. This (amongst several of the other major problems the economy is afflicted by) would immediately, mathematically double everyone’s purchasing power. In other words you (and everyone else) could get a $10 burger combo for $5, buy a $60k Tesla for $30k and a $400k house for $200k. This is a paradigm change in economics…with a single policy. Stabilize this new paradigm with a dual 50% graciously gifting policy at the point of loan signing where the bank is gifted half/50% of the interest it would get on that now $200k house in exchange for reducing the loan by 50%…and you get a $400k house for $100k.

So now you can go to the store, and instead of grudgingly saying, “Dang! Oreos are up another 20%!” you instead have the opportunity to say, Thank you Mr. merchant! Thank you monetary authority! Thank you my congressional representatives! And thank you Steve Hummel for being curious enough to discover how to implement these two gracious policies…that have evoked in me this wonderful feeling of gratitude…and all I had to do was buy something!!!

Stay tuned for more of the beneficial policy program of what I call Wisdomics-Gracenomics which you can find on Amazon, including what will not only increase GDP (Gross Domestic Product), but a new “stat” GEDP (Grace Evoking Domestic Product).

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Hi, my previous post here on (date) showed how two policies could mathematically enable everyone to buy a $60k Tesla for $15k and a $400k house for $100k. Today I’m going to show you how another single policy, combined with those original two others, will end poverty forever, enable us to completely eliminate the greater part of the payroll taxes you and every enterprise pay, cut individual and corporate income taxes and enable approximately 98% of college students to graduate without having to borrow a single dollar and enjoy a comfortable lifestyle while doing so.

Please pardon the brief pitch of my book Wisdomics-Gracenomics which outlines the entire policy program of this new economic paradigm which you can find on Amazon, but I hasten to add that the reason I wrote the book was not just to enlighten everyone about how to have life long economic security, it was even more so to find a way for everyone to everyday and continuously evoke and self-actualize gratitude which is a much greater blessing than mere economic security. Just for good measure you could saunter over to my substack and patreon pages

Okay, using the same accounting operations of equal debits and credits that sum to zero, if the monetary authority also distributed a $1000/mo. universal dividend to everyone 18 years of age and older then that policy combined with the 50% Discount/Rebate policy at retail sale would give every citizen $2000/mo. worth of purchasing power…for life. In other words $1000/mo. plus a 50% discount at retail sale translates into $2000/mo. worth of goods and services which becomes $24k/yr. per individual which is above the poverty line for an individual. It also becomes $48k/yr. for a two adult household…guaranteed.

Now, lets say a university’s tuition is $7k per semester so normally it costs a student $14k/yr. to get their education. The university’s retail product is its tuition so their 50% discount to students makes the cost to students $7k divided by 12 monthly payments equals $583/mo. That leaves the student with $417 of their $1000/mo. universal dividend which will purchase $834/mo. worth of goods and services. Better than ending up with $50-65k of debt after four years of college and the inability to buy a house and get on with life…don’t you think?

Thank you Steve Hummel for finding a way to completely transform the economic system from one that routinely enslaves the individual with debt into one that not only serves and provides for everyone, but enables them to feel gratitude which is a greater gift than any economic benefit.

But I digress. How does this policy enable us to eliminate most payroll taxes? Well, if every adult is guaranteed $24k/yr. worth of purchasing power with the 50% retail discount and the $1000/mo. universal dividend policies, then why would we need the payroll taxes for welfare and unemployment insurance? These policies have rendered such taxation completely redundant and so they could be eliminated. Thank you, thank you, thank you, a hundred million daily opportunities to experience gratitude. Do yourself a favor and visualize that solid temporal universe reality for everyone, accomplished simply by using accounting and a new applied idea also know as a new paradigm.

Next time we look at what some of you are probably saying to yourself, “Yeah, but what about inflation?” Well, it not only ends forever, but we get what is currently considered impossible, namely BENEFICIAL price and asset DEFLATION. Stay tuned.

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Inflation and the cardinal signature of every historical paradigm change

Rebutt cynicism/Remember we are many and the opponents of the new paradigm are few/mass movement/Marx’s revolt of the beourgeise

The concept behind every historical paradigm change and its incredible power for both the individual and our systems

Call to action speech