🚨Let’s Shift Welfare To A Self Sufficiency Model by creating: FAMILY-FIRST TAX ADVANTAGE SAVING ACCOUNTS, that utilize in place tax advantage structures that lower taxable income ➕ disregard assets in Tax Advantage Accounts under current welfare GIVING Low & Moderate Income Household a TAX FREE WAY TO SAVE FOR: •Family Planning, •Homeownership, and •Healthcare GIVING citizens a viable PATH OFF the gov’t welfare dependency TRAP [eliminate benefit cliff] for low income, & disabled households to Incrementally Increase Income and/or Get Married; w/o cutoff penalty (a grace period)‼️AN OPPORTUNITY THAT IMPROVES THE OUTCOMES for Everyday Americans to reach the AMERICAN DREAM, & GET OFF WELFARE. bit.ly/Family-1stWelfareReal… By REINVESTING & REALIGNING a portion of the ‘FRAUD SAVINGS’ from the @WHFraudTF back to American Citizens via temporarily reinvesting a portion of the Fraud Savings ($65 billion yr) towards a STEP-DOWN Welfare Realignment. REINVESTING Fraud Savings would NOT INCREASE Federal spending of the Welfare Realignment rollout for the 1st 5-yrs. BY YEAR SIX (6), the REALIGNMENT WOULD HAVE A $12 to $109 billion ANNUAL FEDERAL SAVINGS, w/ a moderate estimate at $49 billion annually. ELIGIBILITY for a “Family First Tax Advantage Account”, would be based on the families household size, & low to moderate income based on Federal Poverty Level (FPL) staggered down from 375% to 200% FPL based on family size: • 2-3 family household 0-375% FPL • 4 family household 0- 325% FPL • 5 family household 0- 300% FPL • 6 family household 0- 275% FPL • 7 family household 0- 250% FPL • 8 family household 0- 225% FPL • 9 family household 0- 200% FPL FAMILY-1st ACCOUNTS : ✅ (A) Family Planning Account: where married couples can contribute up to $5000 yr / $25k max asset excluded — for family planning cost such as IVF, pregnancy related medical expenses, delivery, & covering childcare up to age 6. Remaining funds would roll into Trump Account after child turns 6 years old. ✅ (B) Homeownership Account: allows new homebuyers (individual, single-parent, & 2-parent households) to contribute up to $10,000 yr / $50k max asset excluded — to cover at least, but not lower than 10% earnest money deposit (EMD), closing cost, home upgrades and renovations, and new homebuyer can pair their with an existing 1st Time Homebuyer Program, or Rural Development Home Loan allowed under Federal and State rules. ✅ (C) Healthcare Disability Accounts (HSA-D): where 2+ person households with at least 1 person who is determined to be disabled per SSA disability rules, can contribute $10k yr (per disabled person/ $50k max asset excluded. — AMEND the Internal Revenue Code (IRC) and Social Security Act to create such exemptions, as it did with ABLE in 2014 (via the ABLE Act) = targeted fix for SSI/SSDI recipients facing premium barriers. — ALLOW SSI & SSDI beneficiaries to use HSA-D for paying premiums +copayments +deductible +qualified deductible expenses (QDEs); allow tax-free withdrawals. — ALLOW DUAL-ELIGIBILITY to both ABLE & HSA-D Accounts for disabled children (0- 18), qualified under SSA disability rules ➕Income Exclusions for Health Insurance Premiums in SSI Eligibility Calculations — AMEND SSI regulations (under 42 U.S.C. § 1382a) to exclude from countable income any amounts earned or received specifically for purchasing creditable private health insurance premiums ✅ (D) Citizen-1st Health Savings Accounts **end high deductible insurance requirement on current HSA accounts & expand annual contributions to per-person & amount based on age**: where households can contribute up to $8k yr (per adult 18 yrs +), $4k yr (per kid 0-18 yrs)/$60k max asset excluded — Allow earned income to be direct deposited into Account, & household can use for: Self-Pay, Private, ACA, or Employer plans, to pay for Premiums + Copayment + Deductibles, & QME without penalties. + NonCitizen & Healthcare Reforms