Last updated on October 30th, 2024 at 05:15 pm
My big dream has always been simple: to achieve true financial independence and help others do the same. I want to live in a world where people understand money as a tool for creating community wealth, not just personal gain.
Where financial literacy isn’t just a buzzword but a foundation for building stronger neighborhoods and more resilient local economies.
I’ve spent years studying financial systems and watching how money flows through our communities.
It’s never been my dream to run for office. I’ve been up close and personal with politics, and you would never – I mean NEVER – catch me throwing my hat in the ring.
But if you DID catch me, here’s my platform, shaped by everything I’ve learned about how money should really work in a healthy society.
5 Ways to Build Real Wealth in Our Communities:
A Financial Revolutionary’s Reluctant Political Platform
1. Rebuild the local marketplace.
In my humble opinion, this is the most important thing we must do to revive the country spiritually, economically, and culturally. I think we have lost touch with the concept of the true marketplace. It’s not a place to make (and hoard) money.
It’s not a place to persuade people to buy stuff they aren’t entirely sure they need or even want. Instead, it’s a place where people trade things they have in excess for things they don’t have enough of. It’s a place where people get to know their neighbors where they share news, gossip, and ideas. It’s literally the Petrie dish of society.
The true marketplace creates a world where excess flows in the direction of need.
2. Give money to people, not corporations.
I am totally lost on why the government gives money to gigantic corporations. I lay this at the feet of both political parties. The Obama administration gave a gazillion dollars to a solar company that went belly up a couple of months later. Lots of other giant corporations have gotten taxpayer money. Republicans and Democrats alike have given it to them because they were “too big to fail.”
If there were ever a unifying battle cry for the People, this has got to be it, don’t you think? Surely everyone would doubt the wisdom of giving taxpayer money to banks (just for one example) so they can live another day to squeeze another dime out of the taxpayers who are supporting them. Right?
My solution: give money to the people, not to corporations.
For example, give everyone a grant to buy an electric car and put solar panels on every house. If you goose consumer demand this way, then you automatically goose manufacturing. Someone’s got to make the solar panels and install the solar panels. Someone’s got to set up charging stations for the electric cars. Someone has to learn how to service electric cars. Hell, someone has to actually manufacture a whole bunch of electric cars.
Does anyone lose? I can’t see it. Rather, everyone benefits; even if you don’t own a house, having solar panels on your rental saves you a lot of money. And you can plug your electric car into your solar-powered outlet for a lot cheaper than buying gas at the corner gas station.
3. Reinvent education.
This is my pet peeve. Public education in this country was designed to train a work force for which we no longer have a need. We don’t need rule-followers. We don’t need fact-memorizers. We need creative, innovative, rule-breaking entrepreneurs.
My teenage children need entrepreneurial skills, not worker-bee skills. They need to engage, indulge their curiosity, and learn how to learn, even if they don’t know exactly how what they’re learning ultimately fits with what they’re going to do for a living.
The future workforce will not have jobs like their parents and grandparents had jobs.
They’ll freelance. They’ll have many jobs, sometimes more than one at a time. How they market themselves, manage their workload, and contribute to their various employers involves a set of skills that no one is teaching right now.
Furthermore, the way we currently deliver public education is too expensive. It doesn’t need to be this expensive! We now have technology that can engage large groups of students without bricks and mortar and bloated bureaucracy.
Will it hurt to shift from a traditional classroom model to a digital classroom model? Will we have to put some effort into it? You bet. Will it be worth it in the long run? Absolutely.
4. Change the nature and structure of work.
I saw a bumper sticker today that said something like this: Labor Unions. The people who brought you the weekend.
I asked myself, is that a good or bad thing?
True, before there was a weekend, people worked seven days a week. It was grueling and debilitating to work on a schedule like that. So, from that standpoint, weekends = good.
But now, we live in a world where results don’t necessarily equal seat time. The 40-hour work week is not only antiquated because of how fast we can generate results; it’s unsupportable. We have more people entering the workplace than we have jobs. And…a weekend? Too short. Do you know ANYONE who has ever said, “The weekend was just way too long?”
NO.
The weekend is too short in this day and age.
Plus, we have more people than jobs. We can keep the excess people unemployed or figure out how to get them back to work. Hey! I have an idea. How about a four-day workweek? You could employ 25% more people that way.
And you’d also give people the time to do more than work for a living. Society needs more from us. It needs us to volunteer. It needs us to be informed. It needs us to raise children, grow gardens, spruce up houses, and invent things. In a capitalist society (as distinct from a capitalist economy), we only reward work for pay, and that’s short-sighted. We should transcend that model so many kinds of work are honored – not just the ones that someone pays us dollars to do.
5. Create a mandatory work-service program.
I recently returned to school to learn web and graphic design. I was pleasantly shocked to discover that I am on the dean’s list with the highest honors.
I’m a smart person. At 19, I could have been on the dean’s list with the highest honors, but I wasn’t. Why? because I had other things that I wanted to do more than I wanted to study.
I wanted to date, experience living on my own, and make my own random and questionable decisions. I wanted to order margaritas of many flavors at the bar down the street and spend my part-time income on Love’s Fresh Lemon and Bonne Bell lip gloss. I wasn’t thinking about the value of my world-class education; I was taking it for granted.
When I think about what prepared me to respect and appreciate the education I’m getting now, as distinct from the fine university education I theoretically got 30 years ago, the difference is life experience. I went straight from high school to college, so I did not pass go. I had no life experience. Everything was a lark, and the world was my oyster. Now, not so much. I have worked hard. I appreciate things much more.
So that’s my five-point platform. It does not include foreign policy, not because it is unimportant, but because I believe real change—including financial transformation—starts at home.
My focus is on rebuilding our economic foundation from the ground up, empowering individuals and communities to create lasting prosperity. We need to revive the nation one person, one family, and one community at a time because that’s how sustainable wealth is built – from the bottom up, not the top down.
Jayne Speich
Jayne Speich is co-founder of Business Growth Advocate, which is dedicated to the survival and growth of small businesses in the new era.
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