What You Get
$100,000+ by Age 20
Every child receives $5,000 at birth plus contribution space - compounds to life-changing wealth
$10,000 When Your Baby Is Born
Direct payment within 30 days - help with medical bills, equipment, and initial childcare costs
Monthly Chance at $150,000
1 million winners per year - retrain, relocate, start a business, or pay off debt
Free or Debt-Free University
Merit-based free tuition OR income-linked repayment - no crushing student loans ever
The Opportunity Crisis
The American Dream Is Broken
Birth rates collapsing. Wealth hereditary. Student debt crushing. Skills gaps widening. Each generation poorer than the last. The promise that hard work leads to success? It's a lie for most Americans.
Four Crises Destroying Opportunity
Why Young Americans Can't Get Ahead
| Challenge | 1980 | 2024 | Impact |
|---|---|---|---|
| College Cost | $8,000/year | $35,000/year | +337% |
| Home Price to Income | 2.9x | 7.2x | +148% |
| Child-Raising Cost | $125,000 | $310,000 | +148% |
| Homeownership Age 25-34 | 46% | 37% | -20% |
The Four-Pillar Solution
Click each pillar to learn more
Family Foundation
$10,000 Per Birth
$40-45B annually
- ✓ Cash at birth (30 days)
- ✓ Fertility preservation grant
- ✓ Increases birth rate
- ✓ Supports family formation
- ✓ Universal (not means-tested)
Opportunity Accounts
$100K-250K at 20
$18-20B annually
- ✓ $5K government seed
- ✓ $5K/year contribution cap
- ✓ Compounds for 20 years
- ✓ Tax-free withdrawal at 20
- ✓ Use for anything
Second Chance Grant
$150K Over 10 Years
$90-105B annually
- ✓ 1M winners per year
- ✓ Monthly lottery (fair/random)
- ✓ Ages 25-55, income ≤$64K
- ✓ Four pathways to choose
- ✓ Conditional payments
National Universities
Free or Debt-Free
$16-65B annually
- ✓ 60-80 new campuses
- ✓ Merit-based free tuition
- ✓ Job Mortgages (not loans)
- ✓ Integrated trade schools
- ✓ Lifelong retraining
Calculate Your Family's Benefits
Your Child's Opportunity Account
Your Second Chance Grant Odds
Your Lifetime of Opportunity
Family Foundation Grant
Your parents receive $10,000 within 30 days. Helps with hospital bills, equipment, childcare. You receive $5,000 invested in your Opportunity Account - starts compounding immediately.
Wealth Building Phase
Your family can contribute up to $5,000/year to your Opportunity Account. Money compounds tax-free. By age 20, you have $25,000-250,000 depending on family contributions. This is YOUR wealth - not loans, not debt.
Launch with Capital
Your Opportunity Account matures. Tax-free withdrawal available. Use for: college (debt-free), down payment on home, starting a business, or continued investment. You start adulthood with capital, not debt.
Education Without Debt
Attend National University as National Scholar (free if merit-qualified) or via Job Mortgage (pay 3-6% of income for 10 years after graduation). Graduate debt-free. Trade school integrated and respected.
Second Chance Opportunities
Every month, 1% chance to win $150,000 Second Chance Grant. Four pathways: retrain for new career, start business, relocate for opportunity, or eliminate debt. Plus lifelong National University retraining.
The Cycle Continues
When you have children, they receive $10,000 at birth plus $5,000 Opportunity Account seed. You can contribute $5,000/year. Your kids get the same opportunities you did - breaking the cycle of hereditary poverty.
The Transformation
Economic Impact
Opportunity Restored
| Metric | Current System | With AOA |
|---|---|---|
| Fertility Rate | 1.67 (collapsing) | 1.9-2.0 (stable) |
| Wealth at Age 20 | Bottom 50%: $0-2K | Everyone: $25-250K |
| Student Debt | $1.77 trillion | $0 (eliminated) |
| Born Poor, Stay Poor | 43% | 25-30% |
| Homeownership 25-34 | 37% | 55-65% |
| Skills Gap | 4.5M unfilled jobs | Closed |
Social Mobility Revolution
For Poor Families
Birth grant helps afford children. Opportunity Account gives kids $25-100K by age 20. National University provides debt-free education. Second Chance Grant offers safety net. Result: Breaking the poverty cycle. Born poor doesn't mean stay poor.
For Middle-Class Families
Birth grant supplements income. Opportunity Account (with family contributions) reaches $100-200K by age 20. Kids attend university free or debt-free. Parents can win Second Chance Grant if needed. Result: Financial security and upward mobility.
For All Americans
Every child starts with capital. Every adult gets second chances. Every student graduates debt-free. Every family can afford children. Every worker can retrain. Result: The American Dream - restored and accessible to all.
From Birth Through Retirement: Real Opportunity
Not welfare. Not handouts. Strategic investment in America's greatest asset: our people. When we invest in human potential from birth through retirement, everyone wins.