The platform

If I were in charge.

How I'd fix the things that are broken: government, the law, healthcare, defense, education and taxes. Every idea traces back to a value, and every one is open source. Take any of it and use it.

A living document. I keep adding to it, and I change my mind when someone shows me a better answer.

Phil Ratcliff at his desk in the rebel Financial office wearing a rebel pullover

How to read this

Every idea answers four questions.

1

What's wrong?

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2

What's the root cause?

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3

What's the fix?

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4

Which value drives it?

The map so far

If I were in charge

Government and the law

Healthcare

Education

Defense and foreign policy

The economy and taxes

Money and financial literacy · coming

Energy and the environment · coming

Technology and AI · coming

Community and family · coming

Government and the law

One person, one vote, one capped donation.

Most of what's broken in Washington comes back to the same root cause: power and money pile up in the same few hands, and they stay there. These fixes break up the pile.

$100

Cap on what any one person can give to politics, about what most Americans can afford

$0

Political spending allowed from corporations, unions and super PACs

~10 yrs

Total time anyone serves in elected office, about 4 to 5 years per position

10–20 yrs

Wait before an ex-official can lobby

Value: justice

Ban gerrymandering

Voters should pick their politicians, not the other way around. Drawing district lines to lock in one party's power ends.

Root cause: the people who benefit from the map are the ones drawing it.

Value: freedom

Get the money out

Cap individual donations at about $100 a person. Ban political spending by corporations, unions and super PACs. Win on ideas, not on who has the biggest megaphone.

But isn't money speech? We tried that, and it does more harm than good. Concentrated money drowns out everyone else's freedom to be heard.

Value: integrity

Anyone can lobby. No one can sell access.

Citizens, company and association staff, even people using AI tools: anyone can tell lawmakers how a policy affects their people. The professional lobbying industry, firms paid to trade on connections, gets treated as the corruption it is.

Root cause: access is for sale, and ex-officials are the ones selling it. They wait 10 to 20 years before they can lobby.

Value: leadership and accountability

Term limits

About 4 to 5 years in any one position and about 10 years total in government. Then back to private life, living under the laws you made.

Root cause: the longer power sits still, the more it builds up and the harder it is to check.

Value: integrity

Pay like the people you serve

Officials earn around their constituents' median salary, on a GS-style scale with cost-of-living adjustments. No bonuses, no kickbacks.

Root cause: when leaders live a different life from their voters, they stop seeing their voters' problems.

Value: freedom and order

Experts stay. Power rotates.

Career staff hold the long-term expertise. Elected officials hold power only briefly, so it can't build up. And we make public service honored again, the way the military earned back respect after Vietnam.

Root cause: we've mixed up expertise, which should last, with power, which shouldn't.

The test for what government should run

“Anything where someone's life can be held hostage for money or power can't be left to the market.”

Justice system

Military

Healthcare

Taxation

Education, with nonprofits

Everything else, the market does better. And government itself needs strong checks, on its power and on its spending.

Healthcare

No one's health held hostage.

A public base system, in the style of TRICARE, the VA or the NHS, that covers about 90% of what people need. Private care stays legal, but it should never be necessary. My own experience with TRICARE and the VA was good. It can be done.

Value: love, and the hostage test

Who covers what

Public base system, ~90%

Private

1 month

Guaranteed maximum wait to see a specialist

1 hour

Guaranteed maximum wait to be seen in the emergency department

Measured

Quality judged by actual health outcomes, published for everyone to see

Root cause: when your life depends on care you can't afford, you'll pay anything. A market can't be fair when one side's life is on the line.

Education

The best education shouldn't be reserved for the rich.

A blend of government and nonprofit academia. Public funding makes it open to everyone. Nonprofit institutions keep it independent and keep the quality high.

Value: work outward, and fairness

Government

+

Nonprofit academia

=

Great schools for everyone

Defense and foreign policy

From world bully to world leader.

I served. I believe in a strong defense. But we spend more than the next six countries combined, and a lot of that money buys overpriced contracts, not safety. Cut defense spending in half and put the savings into peace.

Military spending, 2025

United States

$954B

Next 6 countries combined

$905B

Source: SIPRI 2025 data, via Peter G. Peterson Foundation.

Defense's share of federal spending, FY2025

Of all federal spending

~13%

Of discretionary spending

~47%

Source: CBO. $893B in defense outlays out of $7.0T total and $1.9T discretionary.

½

Defense spending, cut in half

→

5×

Peace Corps: food, safety, clean water, schools and houses of worship

1

Fix procurement

Stop overpaying big contractors. Put research and development through smaller, nimbler companies.

2

Citizen soldiers

A lean active force for rapid deployment and special operations. Most of the standing army trains a strong National Guard and reserve.

3

Build-ready, not stockpiled

Keep R&D and prototypes current, keep real deterrents, be able to ramp up production fast, and invest in robotics.

4

Diplomacy that verifies

Verifiable arms reduction deals, especially between the US and China, modeled on the nuclear treaties.

The economy and taxes

Preserve capitalism. Restore meritocracy.

Pay for what we actually need, and do it fairly. Taxes should be heavily progressive, cover income, wealth and consumption, and reward building something over inheriting something.

Income tax: how the rates climb

0%

Under ~$75–80k per person

15%

First bracket above that

…

Three or four brackets in between

~90%

Earned income over $10M

No income tax, and no capital gains tax, below about $75,000 to $80,000 per person or $150,000 per couple.

FICA, paid by employer and employee each

Today: 7.65%

My plan: ~12%

Together with the defense savings, this funds public healthcare and Social Security.

Taxed like a paycheck

Passive money

Passive capital gains, dividends and interest are taxed as ordinary income. Money made by money shouldn't get a better deal than money made by work.

10–20%

Builders

Gains from a business you actually built get a low 10–20% rate. Reward the people who create something, not the people who inherit it.

A wealth tax, on the very top only

A one-time levy to pay down debt and fund opportunity and infrastructure, then a smaller ongoing tax later, plus an estate tax. Nobody under $25 million pays a cent of it.

Net worth

One-time levy

Ongoing (later)

$25M–$100M

2%

1%

$100M–$400M

4%

2%

$400M–$1B

6%

3%

Over $1B

10%

5%

Rough estimates, being checked: about $1.3 trillion from the one-time levy, and about $400–500 billion a year from the ongoing tax after avoidance. I'm building a full budget model with cited data to test these.

Value: love, and the age of AI

A guaranteed minimum income

As AI and automation replace more work, everyone needs a floor. It works as stimulus too, because people spend it, and public healthcare frees up even more household money to spend.

Honest open questions

What I haven't solved yet.

A platform that claims to have every answer isn't being honest. Here's where the math doesn't close yet. These are the next problems to work on.

1

The debt

The one-time levy, about $1.3 trillion, would put a dent in a national debt of more than $35 trillion. It's a start, not a payoff.

2

Paying for a guaranteed income

$3,000 a month for every adult would cost about $9 trillion a year, more than the whole federal budget. The ongoing wealth tax alone covers about $150 a month per adult. Options: phase it out as income rises, start smaller, or find more revenue.

3

Fully funding public healthcare

Higher FICA and the defense savings get us a long way. The full cost still needs to be modeled line by line.

Coming next on the map

The courts

Federal vs. state power

Consumption taxes

A full budget model with cited data

Steal these ideas. Or tell me where I'm wrong.

Everything here is open source. If you can make an idea better, I want to hear it.