The Prosperity Commission’s



This website is dedicated to you the “Individual”.

That’s right.  It’s up to you. If you want to see those problems solved, read this site and support the USA Plan.

And here’s what we have to offer you; namely, several million dollars at retirement. 

The lynchpin of our USA Plan is creating an investment/savings account solely for each working American and funding it with the 15.3% of their income they pay the government in Federal payroll taxes each year. 

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The USA Plan does not call for dismantling the “welfare state.” It establishes that those safety net benefits are the floor under which no future benefits can ever fall, including Social Security and Medicare. 

The average American worker earning $50,000 a year pays about $7,500 in payroll taxes each year. His or her payroll taxes deposited weekly in the investment account (the “USA Account”) will accumulate and compound into a $7.4 million nest egg in a 40-year working life.

To grow $300,000 in payroll taxes into $7.4 million nest egg will require the weekly funds be invested in indexed common stock that will grow in value by 12% per year which is the average rate of return on S&P500 stocks since 1871 in 40-year increments with dividends automatically reinvested.

Albert Einstein, the inventor of the atomic bomb, when asked what the most powerful force on Earth was, replied “compound interest”. See below how right he was.

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Those of you who know that Federal payroll taxes are presently dedicated to pay a little over a trillion dollars a year in Social Security and Medicare benefits, must be concerned how we can pay those costs and fund the USA accounts at the same time.  The answer is covered elsewhere, but suffice it to say that on the day the USA Plan is enacted there will be a $70 to $100 trillion decrease in America’s unfunded debt. As the Plan will be totally operational in 20 years, the $25 to $30 trillion of legacy benefits will be covered by the $70 to $100 trillion decrease in unfunded liabilities.



The rich have a great life, the poor live paycheck to paycheck.

In America, the rich have a great life. They have nice homes, safe neighborhoods, private schools, and enough money left over, after all the income taxes they pay, to fund their retirement and take extended vacations; most can even afford $2,500 Super Bowl tickets.

That isn’t the case with the Middle-class or Poor Americans. Most live paycheck to paycheck, don’t have enough cash for an emergency and know that the American Dream is only that – a dream.

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At the bottom of the scale are the indigent poor living in bullet-riddled, drug-infested ghettos. Places rich people understandably avoid and never visit. Fortunate for the poor, In the last 100 years, the United States Government came to their rescue.

However, government only helps with survival needs – food, housing, welfare, retirement, and medical. Unfortunately, your taxes fund the cost of these programs. Taxes that penalize all working Americans by seriously reducing investment capital used to grow the economy and the job market. Taxes that penalize the working poor and middle-class by taking money out of their paychecks to pay for welfare & entitlement programs.

The young, the Middle-Class and Poor American workers must pay hundreds of billions of dollars each year in benefits to the elderly for programs they believe will be bankrupt by the time they retire. Projections say they are right.

Everyone, especially the young, should want to solve this problem. Unfortunately, our political parties are dysfunctional. They are paralyzed fighting each other – fighting for power and ideology. On top of that, politicians have no serious plans to reduce or eliminate poverty permanently.

Today many people live under the poverty line. Life for them is very difficult. Even with the help they get from the government they live a joyless life under great financial stress. Unfortunately, crime is a serious problem in their neighborhood. Lots of kids have been killed. If their parents only had more money they could move to safer quarters.

Have you tried making sense of political newscasts lately? Arguments with no solutions, bias and twisting of facts to fit a narrative. My friends tell me every election cycle they pray for someone to come and save us but have continually been disappointed. We all wish there was a solution being advanced in Congress. We all need to make more money and so does the government.

But there is a solution to this and to many other problems. Problems like low wages, poverty, runaway debt, slow growth, unfunded pensions, etc. It is a structural one and will require the enactment of The USA Plan. That Plan modifies Trickle-Down capitalism by adding the Rise-up Theory of Economics where all Americans participate financially.

 The USA Plan not only solves problems but generates enormous personal and public wealth. 




The USA Plan does for the poor and middle class what the “Trickle Down” economy did for the rich – it makes them wealthy. It will significantly reduce the size of government; generate the biggest tax cut in history; eventually pay off all unfunded entitlement liabilities; infuse enormous sums directly into the capital markets thereby accelerating the growth of the economy;  economically emancipate women and minorities; reduce crime, poverty and gangs; eliminate the need for government pensions and Medicare; eliminate the need for business to fund employee retirement needs; increase the net worth of America; and promote “Domestic Tranquility”.

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The USA Plan will achieve these goals by a simple change to the way we allocate payroll taxes collected by the government.   Everyone has heard that the 50% of the people pay no income taxes. What they almost never mention is that every worker pays a 15.3% payroll tax (FICA). The USA Plan merely shifts the 15.3% in payroll tax from the Social Security and Medicare Programs and places it in each taxpayer’s own personal USA Account otherwise known as the Universal Savings Account.

Making everyone a millionaire is epic; but making our Nation’s net worth jump $1,000 trillion in 40 years is more than exceptional. Today, America’s assets of $135 trillion are less than its $150 trillion in debt. In 40 years, America’s debt will be reduced to zero under the USA Plan and our assets will grow over $1,000 trillion. See Here.

Be advised, the USA Plan is not an attempt to privatize Social Security or Medicare. The USA Plan retains these programs in their present forms. Over the years, the need for these programs will disappear as Americans are able to afford retirement and medical costs. How the Plan pays for this is described here.

For over 10,000 years no government, no religion, no university, no think tank or any other person or entity has ever devised a realistic plan to eradicate poverty. The USA Plan does just that. It replaces (not eliminate) Social Security and Medicare as the primary safety net/retirement/healthcare programs and generates a $7.4 million nest egg on which an average American can retire. See here.

National Wealth

As of April 2019, the US Debt Clock estimates all American assets total $138 trillion and funded and unfunded liabilities total $145 trillion. That means America has generated no net worth in the 243 years of its existence. The enactment of the USA Plan should generate a $1,000 trillion net worth in 40 years for just the American people. See here.

US Net Worth

On the day the USA Plan is enacted into law there will be an automatic $70 trillion or so increase in the net worth of America. The increase in net worth is caused primarily by a decrease in our national funded and unfunded debt. See “Debt and the USA Plan” and “US Debt Cut by USA Plan”.

Tax Cut

The diversion of payroll taxes to the USA Accounts will result in the largest tax cut in American history. It delivers real tax reform. How that tax cut will be financed is spelled-out at “Debt and the USA Plan” and “US Debt Cut by USA Plan”.

Pension Relief 

The US and state governments and many business entities suffer from underfunded pension funds. Some have gone bankrupt and left the retirees penniless. The USA Plan was not designed to relieve those plans but to make them unnecessary in future public or private planning. 

Cost Cutting.

One of the more compelling features of the USA Plan is its cost-cutting capability. It is programmed to greatly reduce and possibly eliminate the need for entitlements, subsidies and welfare.  Those costs presently consume 60% or more of the Federal and state budgets. That means lower taxes for everyone. It will eliminate the need for government and business to provide retirement and old-age medical coverage.

Other Groups and Entities

In addition to these dramatic results the following people and entities are positively affected: Click the selection for a summary. 

Single Women

Married Women

Union Workers

Union Management

African Americans

Latinos and Others

Big and Small Business 

There are many additional benefits covered on this site as well as problems solved. Such as:

Political dysfunction – Both Democrats and Republicans should agree to eradicating poverty and exploding national wealth. That should make for fewer public and private political disagreements.

Crime and Incarceration – As many crimes are motivated by financial concerns, the USA Plan will reduce future crime and incarceration.

Hope and Aspirations – The USA Plan should give hope to young disadvantaged youths. The existence of their own investment/savings account that accumulates and compounds into what amounts to a winning lottery ticket should give rise not only to hope but strengthen self-confidence, self-esteem, and aspirations.

Also, See Mission Statement

The USA Plan sets out The Prosperity Commission’s future objectives and strategies for achieving them. Our plan is comprised of two operating elements: the “USA Trust” and the “USA Account” .

The USA Plan, as described in this website, explains how a USA Account will be set up for each taxpayer, how the IRS will distribute payroll taxes it collects from taxpayer’s paychecks to each USA Account. It also describes how the USA Trust allocates those funds with respect to investments and other fiduciary and administrative responsibilities. Finally, the USA Plan will discuss the advantages and consequences to the US economy, government, and to the Nation’s social fabric as a positive result of its implementation.



The USA Account is the primary feature of The USA Plan. It is an investment account identical to those held by people investing in stocks on Wall Street. Each USA Account is 100% owned by the taxpayer and can’t be reached by the government or courts. It is administered by a non-governmental non-profit trust (the USA Trust). The IRS collects taxes from employers, employees and the self-employed in the form of payroll tax deductions. Instead of going to the Social Security and Medicare Programs, under the USA Plan, those taxes are deposited into the USA Account of the taxpayer paying those taxes.

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An average American will earn $50,000 a year. He will pay about $7,500 in FICA taxes each year. If during a worker’s 40-year working life, his $300,000 in payroll taxes are invested weekly in certain indexed stock funds he will generate at the age of 65 a retirement nest egg of $7,400,000. Just the income that nest egg will throw off will pay a $74,000 per month retirement check. Click here to see the nest eggs and monthly checks generated at various levels of income.

To understand how the existing Social Security benefits will be paid click here to see “Debt and the USA Plan.”

During a taxpayer’s working life (hopefully no longer than 40 years) his or her USA Account balance will grow (on an average salary of $50,000 a year) into a $7.4 million nest egg. To see how that works see Page 2 on How to Become a Millionaire and here for Proof of Principle.

On applicable due dates, the IRS receives payroll (FICA) taxes from the taxpayer AND the employer. The IRS immediately transmits that amount to the USA Trust. Upon receipt, the taxpayer’s funds are immediately invested in the Index stock fund(s) designated by the taxpayer.

The Federal Insurance Contributions Act (FICA)

FICA taxes that currently exist are imposed on all Employees and Self-Employed and are collected as follows:

Employee:  a combination of the employer’s and employee’s FICA Taxes.

Self-Employed: paid along with income taxes in installments and with their final return. 


The FICA tax consists of both Social Security and Medicare taxes. Social Security and Medicare taxes are paid both by the employee and the employer. Each party pays half of these taxes. Together, both halves of the FICA taxes add up to 15.3 percent, broken down as follows:

  • Social Security (employee pays 6.2%)
  • Social Security (employer pays 6.2%)
  • Medicare (employee pays 1.45%)
  • Medicare (employer pays 1.45%)

These combined payroll taxes are electronically transferred immediately by the employer to the IRS and from the IRS to the taxpayer’s USA Account. For example; Friday’s paycheck withholdings will be electronically deposited to a taxpayer’s USA Account so that on Monday morning those funds can be immediately invested into the taxpayer’s chosen stock index funds.

Self Employed

The same FICA taxes of 15.3% are imposed on self-employed taxpayers. However, they pay the entire 15.3%. Those payroll taxes are paid in quarterly installments along with income tax or when paying all their income and payroll taxes on April 15th of each year.



The USA Trust is a non-governmental organization qualified under federal law. It is managed and operated by a Board made up exclusively of USA account holders. Its primary function is to service and maintain all the USA Accounts.

Each account holder will have the right to select one or more of the funds designed by the Trust’s select committee into which to invest his or her money. Each fund will contain a minimum of 500 or more stocks. Each fund will have a broad range of stocks designed to provide growth with an emphasis on safety.

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At inception and from time to time the Board will nominate financial and market experts to design at least eight funds into which a taxpayer may invest his or her money, The main object will be to mirror the current rate of return being experienced by the S&P500. The USA Account Holder will designate which fund or funds he or she wishes to invest in, He or she will have the ability to change funds as the Board directs.

The USA Trust will maintain seats on all stock exchanges to buy and sell stocks. It will be run at a fraction of the cost of normal brokerage. It will be run as a non-profit non-governmental institution.

It is the goal of the Prosperity Commission to eliminate any control over USA funds by governments, Wall Street, the courts, banks or the USA Trust Board. The latter will only be permitted to disburse funds to buy stock according to the instructions issued by the Taxpayer. Eventually, when USA funds are disbursed to the taxpayer, they will be disbursed in accordance with the rules of the USA Trust and the Taxpayer. See here.

The USA Trust will provide downloadable Application Software (aka, end-user program or App) for the Taxpayer’s various computer and phone devices that make the “USA Accounts” user friendly and interactive as well as non-partisan and non-political. At a minimum, each taxpayer should be able to review their holdings, vote on any Trust proposals and check the value in his or her account on their devices any time of the day or night.

The Prosperity Commission’s



African Americans

A major factor in Black Americans’ poor returns from Social Security is their lower expected lifespan.

Big/Small Business

The massive $1 Trillion dollar increase in investment will explode growth in American businesses and create jobs.

Latinos & Others

The USA Plan creates jobs and inarguably will raise wages for workers. Everyone will benefit especially young minorities.

Union Workers

Unions no longer need to secure pensions & medical, significantly reducing labor-management concerns.

Single Women

Under the plan, women become fiscally emancipated never again dependent on a man, Judges or Congress for their survival.

Union Mngmnt

Union-negotiated pension plans have bankrupted many businesses including many cities, counties, and states.

Married Women

Wives & mothers will have deposited into their USA account 1/2 of husband’s contributions & vice versa.


40 years after the USA Plan becomes law, our Nation’s wealth is projected to be an $806 trillion.


The Prosperity Commission

The organization promoting the USA Plan is the Prosperity Commission. It is a new charitable educational organization operating under the provisions of Section 501 (c)(3) of the Internal Revenue Code.  It will be bi-partisan politically and contributions to it can be deductible for Federal income tax purposes.

The Prosperity Commision’s plan will be the basis from which Congress will use to enact the legislation that will modernize the entire entitlement, welfare and healthcare system of the US Government, while at the same time reduce by half the Nation’s debt. 

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The Plan unleashes over $100 billion dollars a month of new investment capital into the economy. It is the employment of that capital that will throw the American economy into overdrive. The wealth that is created will deliver the benefits claimed on this site.

Richard McDonald is the CEO of the Prosperity Commission. He is also the author of both the USA Plan and the Rise Up Theory of Economics. He has 60 years of experience in the very subject the Plan and the Theory are based on. That is, the creation of new investment capital in the hands of the American people.

The Prosperity Commission is a Nevada corporation with offices in California, Arkansas and Nevada. To contact us send an e-mail to