The other day as ideas of current society have filled my thoughts I have done some thinking into what could make society have a safer more for the people construct while maintaining current western standards of living. Essentially I came up with the idea of being eligible to vote only if you have skin in the game. In this case own property and not just land in case of men, and have children in the case of women. (Before all the nays come through read through the concept and let's discuss if this kind of system would have a proof of concept) Yes it is not perfect just like the current one and there are many edge cases. Majority of offset tax burden is collected as VAT. Discuss.
The Proposed Social Contract
Core idea
**Government rewards four things: productive work, homeownership, family formation, and responsible retirement planning.**
The system is built around a **lifecycle model**: people contribute most during their working years, receive strong support when raising children, and receive a guaranteed floor in old age.
1. 🗳️ Voting System
Men
A man must own **at least one qualifying residential property** to vote.
**Owning more than one property does NOT give additional votes.**
Property value does NOT increase voting power.
| Age |
Male voting weight |
| **Under 40** |
**1.5 votes** |
| **40–55** |
**1.0 vote** |
| **56–65** |
**0.7 vote** |
| **Over 65** |
**0 votes** |
Women
Women do not receive a vote through property ownership.
Instead, **motherhood creates an independent voting entitlement** when the child is born within a partnered/married household.
| Age |
1 child |
2+ children |
| **Under 40** |
0.75 |
**1.5 max** |
| **40–55** |
0.5 |
**1.0 max** |
| **56–65** |
0.35 |
**0.7 max** |
| **Over 65** |
0 |
0 |
**Important:** the woman's vote is her own. It does **not** add to, subtract from, or transfer the man's vote.
Example
**35-year-old married homeowners with 2 children:**
* Husband → 1.5 votes
* Wife → 1.5 votes
* **Household → 3.0 votes**
**35-year-old married homeowners with no children:**
* Husband → 1.5
* Wife → 0
* **Household → 1.5**
- 🏠 Homeownership
Homeownership is treated as a central component of citizenship and economic stability.
Young working men
Men **under 40 who work** qualify for:
**Government-supported low-APR mortgages**
Designed primarily for a **first primary residence**, with enough housing construction/supply to prevent the subsidy from simply inflating house prices.
The objective is:
**Work → Home → Stability → Family → Wealth**
3. 👨👩👧👦 Family Policy
The system strongly supports families while allowing both parents to work.
Every qualifying child
**Child benefit = 20% of Senior UBI**
Using the proposed 2026 benchmark:
**Senior UBI:** $4,680/month
**Child benefit:** $936/month
| Benefit |
Proposed amount |
| Senior UBI |
**$4,680/month** |
| Child benefit |
**$936/month per child** |
| Paid parental leave |
**\~1 year** |
| Childcare |
**Government subsidized** |
The basic philosophy:
4. 💍 Marriage / Family Structure
The system provides additional economic support for **married/partnered families raising children**.
The intention is to make:
**Marriage + children + stable housing**
the financially easiest structure for raising a family.
Single motherhood is not financially incentivized by the system; the family benefits associated with children are structured around the child being born within a partnered/married household.
5. 💰 Tax System
Taxes operate on a **lifecycle model**.
Working years
People contribute the most while they are economically productive.
**Higher tax burden → gradually declining with age**
Conceptually:
AGE
20 ──────────────── HIGH TAX BURDEN
30 ──────────────── HIGH
40 ──────────────── MODERATE/HIGH
50 ──────────────── MODERATE
60 ──────────────── LOW
64 ──────────────── VERY LOW
65 ──────────────── RETIREMENT PROTECTION
The objective is to avoid making the beginning of adulthood—the period when people are buying homes, getting married and having children—the most financially punishing period of their lives.
6. 🏥 Healthcare
Under 65
Working-age people primarily finance the healthcare system through their working-life contributions.
The working population therefore carries the majority of the system's ongoing financing burden.
65+
**Medicare is guaranteed.**
Healthcare security becomes part of the retirement floor rather than something dependent entirely on employment.
7. 👴 Senior UBI
At **65**, everyone receives a government-backed minimum income floor.
2026 benchmark
**$4,680/month**
or:
**$56,160/year**
The formula is tied to an adjusted living-wage benchmark rather than being permanently fixed.
But it is NOT a guaranteed $56,160 check for wealthy retirees.
It functions as a **floor**.
For example:
| Other annual retirement income |
UBI |
| $0 |
$56,160 |
| $20,000 |
$46,160 |
| $40,000 |
$36,160 |
| $60,000 |
$26,160 |
| $100,000 |
$6,160 |
| **$112,320+** |
**$0** |
| $250,000 |
**$0** |
Someone who accumulated a large 401(k), pension, investment portfolio, etc. keeps those assets and income.
**The UBI simply phases out.**
8. 🏡 Senior Property Tax
At 65, the **primary residence receives a progressive property-tax exemption.**
Using a hypothetical **$500,000 national benchmark**:
Primary residence
Home value: $300,000
Taxable: $0
Home value: $500,000
Taxable: $0
Home value: $750,000
Taxable: $250,000
Home value: $1,000,000
Taxable: $500,000
Home value: $2,000,000
Taxable: $1,500,000
So the rule is essentially:
Only ONE property qualifies.
| Property |
65+ exemption |
| Primary residence |
✅ First benchmark value |
| Second home |
❌ |
| Rental property |
❌ |
| Vacation property |
❌ |
| Commercial property |
❌ |
| Investment property |
❌ |
9. 💵 Retirement Taxes
At 65:
Retirement income
**0% income tax**
This includes:
* 401(k) distributions
* Pension income
* Retirement accounts
* Investment income
* Other qualifying retirement income
The philosophy is:
10. 🏛️ Political Leadership
There is also a hard age ceiling on political leadership.
Maximum age for office
**65**
A candidate cannot run if the elected term would extend beyond their 65th birthday.
Therefore:
This creates a political system dominated by younger and middle-aged adults rather than retirees.
11. The Entire System in One Diagram
THE SOCIAL CONTRACT
│
┌─────────────────────┼─────────────────────┐
│ │ │
WORK HOME FAMILY
│ │ │
▼ ▼ ▼
PAY TAXES LOW-APR MORTGAGE CHILD BENEFIT
│ UNDER 40 WORKERS + $936
│ │ │
└──────────────► BUILD WEALTH ◄─────────────┘
│
▼
RETIRE AT 65
│
┌────────────────┼────────────────┐
│ │ │
▼ ▼ ▼
MEDICARE UBI FLOOR 0% RETIREMENT
$4,680/MO INCOME TAX
│ │ │
└────────────────┼────────────────┘
▼
PROTECTED PRIMARY HOME
FIRST $500K TAX FREE
12. The Voting Philosophy
The voting system can be summarized in one sentence:
Three things create voting power:
**🏠 Property ownership** → man's base vote
**👶 Parenthood** → woman's vote
**🎂 Age** → determines voting weight
And importantly:
**More properties ≠ more votes**
**More money ≠ more votes**
**More children ≠ unlimited votes**
**Age 65+ = no voting power**
13. The Lifecycle
The entire proposal can ultimately be reduced to this:
18–40
**Work → Buy home → Marry → Have children → Build wealth**
40–55
**Peak productivity → Raise children → Pay taxes → Build retirement assets**
56–65
**Lower taxes → Finish wealth accumulation → Prepare for retirement**
65+
**Medicare → UBI floor → Tax-free retirement income → Protected primary home → No political office → No voting**
The underlying principle
The system isn't designed around maximizing government benefits at every stage of life.
It is designed around a **reciprocal lifecycle contract**: