@Debra Law,
Debra,
For federal income taxes, I recommend:
(1) the current federal tax system be replaced by a flat tax on each and every dollar of personal gross income.
(2) there be no taxes on businesses or bequests, and no deductions, exemptions, paybacks, et cetera.
For Medical Insurance, I recommend:
(1) all medicare and medicaid health insurances be replaced by private insurance paid by the insured.
(2) the privately insured be permitted to deduct up to 30% of their annual federal income taxes to help pay for their medical insurance.
(3) any excess not required to buy an individual's medical insurance, up to 30% of total annual flat income taxes, must be donatable to private charities to help those for whom 30% of their income taxes are insufficient to buy their own medical insurance.
For Social Security I recommend hereafter:
(1) all currently required social security income deductions be annually reduced by a factor of 0.966 so that over 20 years those deductions will be reduced by 50%.
(2) all currently required social security retirement payments be annually reduced by a factor of o.966 so that over 20 years those payments will be reduced by 50%.
(3) Individuals be required annually to invest 5% of their flat gross federal income tax in treasury notes paying 3% per year, such that the value of an individual treasury note will have doubled in value within 24 years.
(4) 20% of an owner's accumulated federal treasury notes may be cashed annually by their owner, or by their owner's heirs, 66 years after their owner's birth date, so that at the end of those 20 years about 11.5% of an individual's treasury notes remain uncashed.