How the "in-betweens" are handled—fair treatment for every generation
No one is left worse off. Everyone currently in or approaching the existing system receives equivalent or better treatment. The transition is gradual, voluntary where possible, and designed to build coalition support rather than create losers.
The 65-year timeline means full benefits only reach those born after implementation. But partial benefits begin immediately, and existing programs are honored until natural phase-out.
At Year 1 implementation (assumed 2026), here's how each cohort is treated:
This is the "design case" - full benefits as intended.
Formula: $25,000 × (65 - current age) / 65
Student debt forgiveness sweetens the deal for this cohort.
Healthcare + payroll tax elimination = significant immediate benefit.
No disruption to those counting on existing promises.
Sacred promise: Those already retired are not touched.
| Birth Year | Age in 2026 | Stability Seed | Healthcare | Education | Retirement System |
|---|---|---|---|---|---|
| 2026+ | 0 | $25,000 | Full AIP | Full AIP | Full Stability Account |
| 2016-2025 | 1-10 | $15K-$24K | Full AIP | Full AIP | Stability Account (reduced) |
| 2006-2015 | 11-20 | $5K-$15K | Full AIP | Full AIP + debt relief | Stability + can contribute |
| 1996-2005 | 21-30 | $2K-$8K | Full AIP | Debt relief | Hybrid (Stability + 401k) |
| 1976-1995 | 31-50 | $1K-$3K | Full AIP | N/A | Hybrid (keep existing + small seed) |
| 1962-1975 | 51-64 | $0-$1K (optional) | Choice: AIP or Medicare track | N/A | Choice: SS guaranteed or hybrid |
| Before 1962 | 65+ | $0 | Medicare (unchanged) | N/A | Social Security (unchanged) |
Current debt: ~$1.7 trillion across ~45 million borrowers
Mechanism:
Cost: ~$170B/year for 10 years, declining as new system prevents future debt
Current trajectory: Trust fund depletion ~2034
AIP approach:
Timeline: ~40 years until last current-system beneficiary (natural phase-out)
Current trajectory: Hospital Insurance Fund depletion ~2031
AIP approach:
401(k), IRA, pension: Completely untouched
| Newborn Stability Accounts (~4M × $25K) | $100B |
| Children pro-rated accounts (~70M × avg $10K) | $700B |
| Young adult accounts (~50M × avg $5K) | $250B |
| Working adult accounts (~100M × avg $2K) | $200B |
| Student debt relief (Year 1 tranche) | $170B |
| Adult (25+) healthcare - no recovery expected | $180B |
| Total Year 1 Transition Cost | ~$1.60T |
Result: Year 1 budget is balanced (revenue ≈ spending). No surplus in Year 1 due to transition costs. Surpluses begin ~Year 5 as one-time catch-up costs decline and only newborn accounts + ongoing healthcare remain.
The largest fiscal risk is the Year 1 catch-up cost for existing population. This can be managed through:
They get:
Coalition status: Strongest supporters
They get:
Coalition status: Strong supporters
They get:
Coalition status: Supportive (for kids' sake)
They get:
Coalition status: Neutral to supportive (if promises kept)
They get:
Coalition status: Neutral (doesn't affect them)
Some industries exist only because the system is broken. Under AIP, consumers simply stop paying for extraction.
Exists because the code is 6,871 pages. GRT eliminates filing entirely. Accountants still account—just not for avoidance.
500K jobs exist to deny claims and process paperwork. Healthcare still needs admin—just 70% less of it.
Lawyers and consultants profit from complexity. Simpler systems need simpler compliance.
~1 million affected workers receive:
Budget allocation: $45B Year 1 (severance + retraining)
The question isn't whether these workers deserve support—they do.
The question is whether entire industries should profit from dysfunction.
Everyone born before implementation gets a fair deal.
Retirees keep what they were promised. Workers get healthcare plus a bonus seed.
Young people get debt relief plus larger seeds. Children get nearly full benefits.
Newborns get the full system.
The transition takes 65 years to complete. But everyone benefits from Day 1.