Here is how Americans in the middle and lower income brackets can become prosperous.

There is a way for Lower- and middle-income Americans to become prosperous.

Wealthy people in the USA have control over their financial wellbeing. The people on  middle- and lower-income levels have few controls.

People of middle and lower income have a life with financial conditions our government creates. Washington has influence over the economy, energy availability and prices, government spending causing inflation, interest on national debt and interest rates on loans.

With high taxes and high prices, the majority of people in America are suffering . They live paycheck to paycheck, they fill up their credit cards, they make tough decision and tradeoffs of what the can and can afford. The middle- and lower-income people have no money to put aside for retirement. The decision on whether to by a home or not is not their option. They hold back getting married or having children. They are forced to work one or two jobs for each adult in a home.

In the past it only took one adult in a home to be successful financially.

The high cost of childcare, health care, insurance, food, and gas are crippling the middle class.

Our middle income and below are having to put off retirement, maybe forever.

They lose their freedom of choice. Many develop mental health issues and turn to drugs and alcohol for relief.

 The middle and lower income have one of two choices. First, the can choose to wait for our government to improve the economy, lower taxes, fix health care, protect social security and Medicare. This will take forever and before it gets fixed, we will have another economic downturn. During inflation, high prices, recessions and depressions middle and lower class lose their savings, investments, and fill up their credit cards. They get behind on interest payments, the interest rate is allowed up to 24% or more which means the chances of paying debt off is almost impossible.

These Americans can never get and stay ahead.

The  second choice for middle- and lower-income earners is to stand up, speak out, unite with other Americans of the same problems and use a communication tool to gain influence in Washington.

The citizens must take an active part in influencing legislation, government spending , waste, national debt, taxes and the economy.

The united people can have major effects on all of these.

Once a stable and  fragile economy is in place all families will have the opportunity to build family prosperity. Prosperity can be define by each individual and family.  It doesn’t necessarily mean to be rich.

The challenge is to get enough middle- and lower-income Americans to be motivated, engaged and set common goals with metrics to track results.

Where do you stand on getting to a life of  prosperity? You don’t believe it can be done? You aren’t motivated get more information or take action? Or want it now? If you want it now there is a way. Just join the movement to take back the control of government spending, waste, taxes levels, debt, and the economy.

At the current tax levels, there is no extra money to save for retirement, have children go to college without student debt,  Get rid of the 35 trillion dollars of national debt and stop paying billions of dollars in interest payments, Not forced to make money  choices based on affording medication or food, not both.

Credit cards started to be available in the nineteen 50’s but didn’t take off until the 70’s and 80’s. Now, they are a way of life, one that destroys middle-income citizens opportunity to become prosperity. With high interest rates by which people get trapped and may never pay off their debt.

Before credit cards a few stores would give buyers credit with a limit, no interest and a payoff plan. Stores didn’t have a financial purpose for giving credit,  except to help customers in the short term and sell a little more.

Credit cards create immediate gratification and the mentality that you don’t need to save before you buy.

The financial institutions today don’t want you to pay off your loans. Interest income is a huge income stream for the financial institutions. There doesn’t seem to be an ethics line to cross in greed vs fairness. Our government is part of the problem.

We can go back further in American history to the point that there was not any income tax or social security taken out of your pay.

These expenses take away from families being able to save and invest for their future financial wellbeing.

We can go back to a point the individuals will be able to save and invest to a point of not needing social security.

Cable TV is no longer a onetime pay and an areal on the roof. Now people pay hundreds of dollars per month. Our phone bills have increases by hundreds of dollars. No one has a low land line bill as shared on a party line. Instead of one low monthly phone bill, each of the many  people in a family have a cell phone charge.

Most people now have a City water and sewer bills instead of wells and septic which had zero charges after installation. If you look back far enough in history, families didn’t have heat or electric bills.

The cost of health care is a huge problem for the middle and lower income. Anytime you have an illness and go for help you either end up with a large debt and interest payments, or you have ongoing high health insurance premiums. Either one eats away at your prosperity.

In years past the price of cars  were reasonable and were often purchased with cash. There was no debt or interest payments.

Most people today don’t pay off their car loan before buying the next car. it creates compounding interest. Now you area paying interest on interest. This is another trap for middle and lower income which keep[s them from prosperity.

Individuals in the middle- and lower-income brackets currently have very few financial choices. They find it difficult, but need to increase their income, lower their expenses, become good financial managers, pay less taxes, live in an economically stable low inflation country, and have set aside accounts for future needs.

The problem is as individuals there is  not enough control, extra income or budget flexibility to create prosperity by themselves.

To have prosperity opportunities the American people must unite to fix high costs, high taxes, national debt and inflation. Individuals alone or in small groups don’t have enough power to make the changes needed. For all Americans to have the opportunity to become prosperous it will take unified Americans  using a mechanism to have influence over our government. Once that is in place, prosperity will be easier to obtain by all.

With a new Vote With Power communication tool, America can become prosperous for everyone in a way that is better and faster than anytime in America’s history.

Without prosperity for all, most people will not have a high quality of life in America.

A low financial quality of life causes crime and problems. Increases in theft, robbery, violent crime, aggressive behavior, gangs, stress causing heavy drug and alcohol usage, bankruptcy, loss of asserts, families fall apart, plus mental illness.

With prosperity all Americans can enjoy a financially successful life as they will be able to budget, plan, set goals, track results, have more quality family and relaxed time, save and invest to secure a prosperous ongoing lifestyle.

Prosperity provides for lower stress and lives with peace of mind. Which our middle class and below don’t have today!

What financial future do you want for your children? Good high paying jobs, college or tech school diploma without student debt, financial freedom for mobility and a financially peaceful life? Or do you want your children and grandchildren to have a life of financial struggle just to survive?

Inflation, Taxes, debt, and poor financial management are the killers of prosperity.

According to Paradigm Life company, there are the 97 taxes in the US tax code.

 I repeat, there are 97 different taxes paid by Americans. I won’t read the list, many of which you don’t know you pay.

  1. Air Transportation Taxes, 2.Biodiesel Fuel Taxes 3.Building Permit Taxes 4.Business Registration Fees5.Capital Gains Taxes 5. Cigarette Taxes 6. Court Fines 7. Disposal Fees 8. Dog License Taxes 9. Driver’s License Fees 10. Employer Health Insurance Mandate Tax 11. Employer Medicare Taxes 12. Employer Social Security Taxes 13.Environmental Fees 14. Estate 15. Excise Taxes On Comprehensive Health Insurance Plans 16. Federal Corporate Taxes 17. Federal Income Taxes 18. Federal Unemployment Taxes 19. Fishing License Taxes 20. Flush Taxes 21. Food And Beverage License Fees 22. Franchise Business Taxes 23. Garbage Taxes 24. Gasoline Taxes 25. Gift Taxes 26. Gun Ownership Permits 27. Hazardous Material Disposal Fees 28. Highway Access Fees 29. Hotel Taxes (these are becoming quite large in some areas) 30. Hunting License Taxes 31. Import Taxes 32. Individual Health Insurance Mandate Taxes 33. Inheritance Taxes 34. Insect Control Hazardous Materials Licenses 35. Inspection Fees 36. Insurance Premium Taxes 37. Interstate User Diesel Fuel Taxes 38. Inventory Taxes 39. IRA Early Withdrawal Taxes 40. IRS Interest Charges 41. IRS Penalties 42. Library Taxes 43. License Plate Fees 44. Liquor Taxes 45. Local Corporate Taxes 46. Local Income Taxes 47. Local School Taxes 48. Local Unemployment Taxes 49. Luxury Taxes 50. Marriage License Taxes 51. Medicare Taxes 52. Medicare Tax Surcharge On High Earning Americans Under Obamacare 53. Obamacare Individual Mandate Excise Tax 54. Obamacare Surtax On Investment Income 55. Parking Meters56. Passport Fees 57. Professional Licenses And Fees (another form of taxation) 58. Property Taxes 59. Real Estate Taxes 60. Recreational Vehicle Taxes 61. Registration Fees For New Businesses 62. Toll Booth Taxes 63. Sales Taxes 64. Self-Employment Taxes 65. Sewer & Water Taxes 66. School Taxes 67. Septic Permit Taxes 68. Service Charge Taxes 69. Social Security Taxes 70. Special Assessments For Road Repairs Or Construction 71. Sports Stadium Taxes 72. State Corporate Taxes 73. State Income Taxes 74. State Park Entrance Fees 75. State Unemployment Taxes (SUTA) 76. Tanning Taxes 77. Telephone 911 Service Taxes 78. Telephone Federal Excise Taxes 79. Telephone Federal Universal Service Fee Taxes 80. Telephone Minimum Usage Surcharge Taxes 81. Telephone State And Local Taxes 82. Telephone Unive 89. sal Access Taxes 83. The Alternative Minimum Tax 84. Tire Recycling Fees 85. Tire Taxes 86. Tolls 87. Traffic Fines 88. Use Taxes 89. Utility Taxes 90. Vehicle Registration Taxes 91. Waste Management Taxes 92.Water Rights Fees 93. Watercraft Registration & Licensing Fees 94. Well Permit Fees 95. Workers Compensation Taxes 96, Zoning Permit Fees 97.

One of the current candidates for President is advocating a new number 98 tax on unrealized capital gains. Which means you pay taxes on estimate gains without cashing in the assets. Which means, you will pay taxes on money and gains you didn’t get and maybe never will.

Wow, I wonder when we will be taxed on breathing.

Are you tired of living in the most prosperous country in the world while you live paycheck to paycheck or worse?

Our Government bureaucracies add regulations which cost businesses money for which they may reduce risk but get no value. With these expenses, companies have less money available for wage and benefit increases.

What can the middle- and lower-income people do to become prosperous. The fastest and best way is to untie to use influence for altering the way our government operates.

Step 1. Unite with other concerned Americans.

Step 2. Join the Vote With Power Communication Loop System. To use the Vote with power communication mechanism to force government  change.

Step 3. Communicate common interest, common grounds and support.

Step 4. Use the Vote With Power Communication Loop to get answers from representatives, give input and influencing information to representatives. Have representatives answer your questions and get representatives to understand how the people want to be represented.

This will greatly improve the representatives fulfilling their oath of office which is to represent their constituents.

Step 5. Gain momentum to influence elected representative in cutting government spending, stop multi-issue bills hiding billions of dollars, add transparency to the legislation process, enforce budget limits, cut national debt, and stop funding the World.

Step 6,  Remove the corrupt politicians and all tax and spend advocates in
                Washington.

Step 7. Stop the pork trading and pet projects spending of millions of your tax
               dollars politicians use to trade for favors.

I have two serious question for you. Do you support the majority of Americans who are tired of living paycheck to paycheck and never getting ahead? Are you willing to help other Americans to cut and eliminate where possible interest, debt, taxes and government spending?

There is a source of information and the place to start building your financial prosperity.

Go to Votewithpower.org

For just $10 a month and 15 minutes a week investment you can help change America and help all Americans who are willing to stay engaged and want to be prosperous get that result.

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