I am a 25-year Accounting and Finance professional with an MBA. My career spans FP&A, ERP implementation (SAP, NetSuite), and government fiscal analysis. I am a fiscal conservative and a strong believer that balanced budgets are not optional — they are the foundation of responsible governance.
Early in my life, I attended Town Halls in Vermont. Watching citizens debate budgets line by line — arguing over a $500 line item for the fire department — gave me a deep appreciation for how government should work: transparently, with every dollar accounted for. It also planted the seed for what became a lifelong pursuit of practical solutions to fiscal problems.
I exercise daily, and during that time I think critically about these problems. This website is where I take those ideas and put them on paper — refining proposals, stress-testing assumptions, and building toward an integrated plan that could actually work.
Why This Matters Now
The federal government spent $7.1 trillion in FY2025 while collecting $5.3 trillion — adding $1.78 trillion to a national debt that now exceeds $39 trillion. Interest payments alone consumed $962 billion, more than we spent on defense. The Social Security trust fund will be depleted by 2034, triggering automatic 21% benefit cuts for retirees who paid into the system their entire working lives. This is not a future crisis. It is happening now.
What You Will Find Here
This site presents a complete, integrated fiscal reform plan — not isolated proposals. It covers two pillars:
Government Reform — A three-step framework: replace all federal taxes with a single 10% National Sales Tax, cap spending to that revenue, and buy out the $27 trillion owed to Social Security and Medicare contributors. The plan extends to state, county, and local government reform, privatization of federal assets, and structural changes like term limits and agency consolidation.
Financial Technology — Proposals to modernize how money moves: streamlined mortgages through Fannie Mae/Freddie Mac integration, technology-driven real estate transactions, and a daily finance model that gives individuals clearer control over their money.
What makes this different is that it is one plan, not a collection of ideas. Every piece connects: the tax reform funds the spending caps, the spending caps enable the debt payoff, the privatization generates the $4 trillion in asset sales that finance the entitlement buyout, and the entitlement buyout eliminates the programs that consume 60% of the current budget. Remove any piece and the math changes. Together, they produce a debt-free nation by 2069.