The Institute for a Zero-Cost Economy promotes policies designed to create the maximum economic security for every citizen in a carefree economy. These policies create wealth for everyone by freezing, then reducing and in some cases eliminating costs which prevent people from accumulating wealth. These policies create secure jobs in America.

Every day the costs that we must pay every month increase. Most people are not able to save money and invest for a decent retirement.

What will happen to our country when tens of millions of people retire and do not have enough money to pay their monthly costs? Homeless shelters in stadiums?

By the time you have worked 40 years, you have earned a lot of money, but most people end up with far less than they need. The reason is costs. Costs for energy, housing, cars, insurance, health care, education, the list is endless. And these costs are increasing at an accelerating rate. Many people have already reached the point where their monthly income is no longer enough.

The rapid growth of costs exceeding incomes is the result of failed economic policies. A large part of the resulting problems can be solved simply by changing policies. The government and the private sector have plenty of money to solve these problems without more taxes. We simply must make more efficient use of the resources we have, while reducing and eliminating costs which are not necessary. At the same time, we can create millions of secure jobs in the U.S. economy.

There are ways to freeze, reduce and even eliminate many costs, simply by changing economic policies. The effects of these simple changes can make every family in the United States economically secure for life, with no more income than they have now.

Just imagine how much wealth an average family could accumulate when costs are frozen, reduced or eliminated.

What if paying off the mortgage took only 10 years instead of 30 years? On a $200,000 house this could add $300,000 or more to the family’s savings! A policy change could make this happen.

What if you only paid for electricity for 7 years instead of your whole life? Believe it or not, this could add $100,000 or more to your retirement account!

What if you only paid for electricity for 7 years instead of your whole life? Believe it or not, this could add $100,000 or more to your retirement account!

What if your insurance costs were cut in half? That’s another $100,000 or more in your account.

What if your car ran on free electricity instead of gas? And your car lasted 15 years instead of 3 or 4? That’s $100,000 to $200,000 more!

What if a college education did not bury a student or the family in debt?

What if a trip to the hospital did not threaten you with bankruptcy?

The average family could retire in comfortable wealth, enough to sustain them indefinitely through a long and healthy life.

Or we can just use our entire incomes to pay interest and insurance and taxes and energy and retire broke. You get the idea.

Existing economic policies have brought us massive unemployment, foreclosures, escalating costs for everything. These are just the problems we can see every day. By the time we realize that these policies ultimately will make tens of millions of middle-class Americans destitute, as the country pays interest for decades on untold trillions in debt, it will be too late.

Who will take care of us if we don’t take care of ourselves?

The time for new policies – to create a zero-cost economy – is NOW. The Institute for a Zero-Cost Economy promotes policies which freeze, reduce and even eliminate costs, to create wealth for all people in a stable and carefree economy. These policies will create millions of secure jobs in America.