We Will Help Our Young People To Purchase Homes So That By Us Working Together You Will Achieve Your American Dream

It has become very difficult in today’s economic climate for our young people to be able to purchase homes.

The combination of high home prices and high interest rates has caused the average monthly mortgage to increase from $1,100 per month to $2,300 per month.

When this is added to the high cost of living because of the high rate of inflation that has occurred during the past three years, and the high cost of college, and a historically lower hourly wage rate compared with the cost of living, then buying a home is far out of reach for most of our young people.

The cost of college tuition has outpaced inflation by more than three and a half times since 1983.

College tuition has also increased from 14% of an average yearly income 50 years ago, to 42% of an average yearly income now, tripling the real cost of college tuition.

Likewise, fifty years ago, the average house price was three times the average annual income.

However, this has now increased to the average house price being seven times the average annual income.

Therefore, since banks look at annual income when they make the decision whether to provide a home mortgage to a person or to a couple, then banks are not able to provide loans when a home price is seven times more than someone’s annual income.

As a result, a young person would have to earn two times the current average annual income to be able to purchase an average price home.

The average home price today is $402,000, and to obtain a mortgage from a bank on this house would require an annual income of $110,000. This required annual income has increased by 50% in just the past four years.

In summary, then, we need to help our young people to be able to purchase homes so they can get started on the Path to building Wealth for themselves and for their families.

Here is how I would accomplish this for our young people and for our Nation:

1) As discussed on my page titled, “The Elimination Of Federal Income Tax – Your Financial Investment In America Will Make You An Owner Of America”, you can read about how I would have financial investments replace and eliminate federal income tax.

We will help our young people to purchase homes by having these financial investments into America that a young person has made through the years, being able to be given back to the young person by our government when they want to purchase a home.

This will allow the young person to use his or her previous financial investments as a down payment to purchase their first home.

By doing this, our young person will also be able to obtain a 3% mortgage.

2) As discussed on my same page titled, “The Elimination Of Federal Income Tax”, a young person will also be allowed to withdraw all of their money tax-free from their Individual Retirement Account to pay toward the purchase of their first home.

This law with Individual Retirement Accounts will be very beneficial for our young people in many ways because not only will they be able to use this money tax-free to purchase their first home, but this law will also motivate our young people to open and save large amounts of money in their Individual Retirement Accounts, which will be tremendously beneficial for building their long-term wealth and for saving for their retirement.

3) As discussed on my same page titled, “The Elimination Of Federal Income Tax”, our young people and our adults will not need to pay any taxes on the interest that their savings accounts make.

They can use this tax-free interest to pay toward the purchase of their own home.

This law will motivate our young people and our adults to save money in their savings accounts so that their savings can grow tax-free.

4) As discussed on my same page titled, “The Elimination Of Federal Income Tax”, our young people and our adults will not need to pay any taxes on the Profits they make from any company shares they own on the stock market and exchanges.

They can use these tax-free investment Profits to pay toward the purchase of their own home.

This law will motivate our young people and our adults to invest in the stock market so they can purchase a home and build long-term wealth for themselves and for their families.

5) As discussed on my same page titled, “The Elimination Of Federal Income Tax”, our young people and our adults will not need to pay any taxes on the Dividends they receive from company shares that they own on the stock market and exchanges.

They can use these tax-free Dividends to pay toward the purchase of their own home.

This law will motivate our young people and our adults to invest in Dividend-paying stocks on the stock exchanges so they can purchase a home and build long-term wealth for themselves and for their families.

6) As discussed on my page titled, “Revolutionary Tax-Free Plan For Owning Your Own Business – You Will Get To Keep All Your Profits Without Paying Any Taxes”, our young people and adults will not need to pay any taxes on the Profits they make from their own Businesses.

They can use these tax-free Business Profits to purchase their own home.

This law will further motivate and inspire our young people and adults to start their own Tax-Free Businesses so they can purchase a home and build long-term wealth for themselves and for their families.

7) As discussed on my page titled, “We Will Eliminate All Capital Gains Tax On Your Profits From The Sale Of Your Home”, our young people and adults will not pay any capital gains taxes on the Profits when you sell your home.

Therefore, when you sell your first home and upgrade to a larger and more expensive home, then you will not owe any taxes from the Profits of your first home sale, and so you can use all of your Profits to purchase your next home.

8) MY PLAN To Provide A Home To Every Young Person In America –

After a young person has made five years of investments into America, investments that have replaced all federal income taxes, then you automatically qualify for a $200,000 home that our government has built for you.

For Your Benefit, Your home will have only a 3% mortgage on it, and for your benefit the mortgage will be a 10-year interest-only mortgage so that your home payments are only $500 per month.

Having such low monthly payments will allow you to save money and build wealth for yourself and for your family.

If you decide at any point that you want to sell your house and move into a bigger and more expensive home, then you will have the option at any time to sell your home.

If you choose to sell, then the original $200,000 that the government has paid for your home will be returned to the government, and all sale money received above the original $200,000 will be your personal Profit.

We will not charge you any taxes on your Profits from the sale of your home, and so you will be able to use all the Profits from your home sale to pay toward your larger and more expensive second home.

In this way, you will be on the Path to building long-term wealth for you and for your family.

If you choose not to sell your house within the ten years, then your ten-year interest-only mortgage will roll over into a regular amortized mortgage at the current mortgage rate.

Therefore, you will have ten years of low payments that will allow you to:

Save Your Money.

Build your Savings tax-free in a savings account.

Invest your Savings in stocks on stock exchanges that will provide you with tax-free Profits and Build Long-Term Wealth for You.

Invest your Savings into purchasing Dividend-paying stocks that will pay you tax-free Dividends and Build Long-Term Wealth for You.

Use your Savings to start your own Business where all your Profits are tax-free, allowing you to Build a Huge Business and Build Long-Term Wealth for You.

Invest your Savings tax-free into your Individual Retirement Account that grows tax-free and so Builds Long-Term Wealth for You.

Sell your first home and make a tax-free Profit that by a ten-year historical average will be a $100,000 Profit that you will not have to pay taxes on, Building Long-Term Wealth for you that you can use to purchase your next larger and more expensive home.

You will now be on Your Path to Building Your Long-Term Wealth and to Achieving Your American Dream For You and For Your Family.

In summary, my Plan for You to Own Your Own Home will allow You and Your Family to get set on Your Path to Building Your Long-Term Wealth and Achieving Your American Dream.

And with Your Path to Success laid out in front of You, as You Plan Your Work and Work Your Plan, then You will Progress Along Your Path so that You Achieve Your Long-Term Wealth and Achieve Your American Dream For You and For Your Family.

There will be many people who criticize me for providing too Great of an Opportunity to our Young People that will be too expensive for America to afford.

However, I BELIEVE and Know that it is not too expensive for us because this Opportunity is what You and our Young People Deserve.

What are we as adults doing here on this Earth if we are not here to Build A Better World For Our Children?

There are an average of 4.3 million young people at each yearly age, and so the cost of providing A $200,000 Home To Every Young Person will be $860 Billion per year. We spend that much every year on many things around the World that we do not need.

We waste far more than this amount on our yearly defense budget when we should be Living in Peace with all the other countries in our World. So why don’t we make Peace with everyone in the World and use this money for our Children, instead?

We waste this much paying the interest on our debt every year. So why don’t we pay off our debt and use this money for our Children, instead?

We give a large amount of this to other countries to help them to fight wars. So why don’t we negotiate Peace between these countries and use this money for our Children, instead?

We waste money on overspending with various government programs that do not work, and our Congresspeople put wasteful earmarks in their bills that they waste our money on, so why don’t we use this money for our Children, instead?

If we provided homes to our young people, then just think how much money we would save on our current homeless programs, poverty programs, unemployment, and many other government programs, all of which are not being anywhere close to as effective as we want them to be.

In addition, although there are 4.3 million young people at each yearly age, most of the young people who would want to own a home will have a partner, which would reduce by half the number of homes being built to 2.15 million homes every year. This would reduce our yearly investment to $430 Billion each year.

In addition, this $430 Billion investment by us each year would be an investment into building assets. We would not just be spending the money, or giving the money away, because all the money we spend on this program will be invested in homes that are assets.

Investing in the building of assets is far better for America’s economy and for our national debt than just spending the money or giving the money away.

An example of this on the world stage is Singapore, who have one of the highest debt to GDP ratios in the world, but who are in far better economic shape than countries with lower debt to GDP ratios because Singapore has spent their money investing in the building of assets.

Therefore, we can definitely Find A Way to spend $430 Billion every year Building A World For Our Children.

Our Goal needs to be to Build A Better World For Our Children, and so if we are not willing to sacrifice to Build This Better World For Our Children, then we need to ask ourselves as adults and as parents what Purpose are we serving on this Earth?

As I write this, I am reminded of four Beautiful and appropriate quotes. These are:

“There are two lasting bequeaths we can give our Children. One is roots. The other is wings.” – Hodding Carter, Jr.

“I have many flowers,” he said, “but the children are the most beautiful flowers of all.” – Oscar Wilde

“Children will not remember you for the material things you provided but for the feeling that you cherished them.” – Richard L. Evans

“Fifty years from now it will not matter how much money you made, the type of car you drove, how big your house was, or what your clothes looked like. However, the World may be better because you were important in the Life of a Child.”

And so I ask again, What are we as adults doing here on this Earth if we are not here to Build A Better World For Our Children?

Our Goal has to be to Build A Better World For Our Children.

Therefore, providing this Opportunity for our children and for our young people to purchase a home and get them on the Path to Their Long-Term Wealth and to Their American Dream is what we should be doing because it is the right thing to do.

In addition, I have often written on these pages about our need as a Country to require accountability and to require an excellent Work Ethic.

I have also written about how as a Country we need to Pursue Excellence again instead of giving participation trophies.

I have also written that to be a Championship Team, like I have been a part of 22 Championship Teams, then it requires a full commitment Every Single Day and the willingness to outwork everyone else.

And that is exactly why the Plan I have outlined here is not only Beautiful for our Young People.

My Plan is also Beautiful because it requires effort and work by our Young People.

To reach their Goal of Long-Term Wealth and to Achieve Their American Dream, our Young People need to work in a job for five years where they make investments in America and become owners of shares in America.

Then, when they are provided with a house with a 10-year interest-only mortgage, they will be continuing to work as they pay $500 per month for as long as they continue to own their house. During which the Value of their home continues to increase for them tax-free.

Then, they want to be careful with their spending so they can save a good amount of their money that they will invest in Stocks and Dividend-paying Stocks or Investments that they will Profit from tax-free.

Then, they can choose if they want to start their own Business that they will work hard to build so they can make a very good Profit for themselves tax-free, and so their Business becomes Worth a very large amount of money that brings them Considerable or Great Wealth.

Then, they want to sell their first home that will provide them with tax-free Profit that they can use to buy a bigger and more expensive home for their Family.

By putting in this effort, our Young People will be well along their Successful Path, and when they continue to follow these Principles they have learned, then our Young People will reach Long-Term Wealth and the Achievement of Their American Dream For Themselves and For Their Families.

As I write this about our Young People’s Quest and Journey to Achieve Long-Term Wealth and to Achieve Their American Dream, I am reminded of a Beautiful quote by Antoine de Saint-Exupery, that says, “If you want to build a ship, don’t drum up the men to gather wood, divide the work, and give orders. Instead, teach them to yearn for the vast and endless sea.”

In other words, the best way to get people to want to build a ship is not to direct them in the building of a ship they are not that interested in, but instead to let the people realize, Dream, and become passionate about how much joy and happiness the ship will allow them to have on the sea.

In this same way, if we remove the words “ship” and “vast and endless sea”, and replace them with “Life For You and For Your Family” and “Long-Term Wealth and The Achievement of Your American Dream For You and For Your Family”, and if we add in “and women” after the word men, then we have this very true and meaningful statement:

“If You want to build a Life For You and For Your Family, don’t drum up the men and women to gather wood, divide the work, and give orders. Instead, teach You, our Young People, to yearn for the Long-Term Wealth and The Achievement of Your American Dream For You and For Your Family.”

That is what My Plan does.

It provides the Path and the Opportunity for our Young People to Be Incredibly Successful so that our Young People Can Dream Again, and so our Young People can Deeply Desire and Yearn Again for the Long-Term Wealth and the Achievement of Their American Dream that My Plan puts Within Their Reach.

When Our Young People Can Dream It, and when they can Deeply Desire and Yearn For It, then Our Young People Will Achieve It.

I BELIEVE IN YOU And In Every Young Person In America.

And as You and Our Young People Succeed, because A Rising Tide Raises All Ships, then our entire Country, all of America, and Every One Of Us as Americans Who Love Our Children, will be Raised Up Along With You and With Our Young People.

Our Children Are The Future of Our Family.

Our Children Are The Future of Our Country.

Our Children Are The Future of Our World.

We Are In Great Hands Because I BELIEVE In Our Children.

LET US BUILD A WORLD FOR OUR CHILDREN

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