Investment vs. spending
Your Freedom Account vs. your share of the debt
Title V spreads covered investment over a period equal to the years since the end of the Second World War — not a one-year dump. If $80.00T of covered social spending had been invested over time, and a similar pace continued from January 1, 2028, ownership compounds while debt keeps compounding too. Illustration, not a guarantee. Education, Social Security transition, poverty, and healthcare credits phase in over five years.
Simulation starts January 1, 2028
2028
Your Freedom Account
$0
Per person · 3% compounding + $2,941/yr invested
Your share of national debt
$117,647
Per person · debt growing ~4% a year
National illustration · $80.00T invested over 80 years
Assumptions: Freedom Accounts start at $0 per person on January 1, 2028. About $1.00T a year is invested nationally ($80.00T spread over 80 years). Debt starts near $40.00T and grows at 4% a year. Population grows slowly. You can compare 3%, 6%, and 9% account growth. When the green line passes the red line, ownership has crossed the debt share.