Who’da thunk it. All new money is created ONLY AS DEBT, but what if 50% of that new money was created as a GIFT and distributed at the single universally participated in point in the entire economic process, namely retail sale so everyone can purchase $100 worth of goods and services…for $50, and, as the retail point of Finance is one’s monthly mortgage, automobile, insurance or other big ticket item’s monthly payment that means that a $500k house is reduced to $250k at its purchase from a home builder and then 50% of your monthly mortgage payment is gifted to the bank…so you essentially get a $500k house for the equivalent monthly payment of a $125k mortgage. Hooray! Paradigm change! And, what is the normal human reaction to receiving a gift? Why thankfullness, gratitude and even joy! Which is exactly what we need in an increasingly contentious and hostile world. Grace as in Gifting: Visualize it, advocate for it and never give up doing so until it becomes the next evolutionary step for mankind.

Steve Hummel 01/31/2026