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I've heard tax proposals like this before (variations on flat tax and sales tax) and they are always presented as a bonus for poor people but actually they would be a huge benefit for and upper middle class people who spend only a fraction of their income on necessities AND luxuries and save or invest the remainder. I think I like the idea of sticking to taxing income, capital gains and estate taxes and going back to the old pre-Bush tax rates for high incomes. Start taxing hedge funds too. Homeowner deductions only apply to a primary residence so obviously they are most beneficial to middle class people who only own one house and deductions for education and health care are also obviously most helpful to middle and working class people. Poor people especially ones with dependents are barely taxed at all as it is which is at should be so I hate that these proposals are always pitched a beneficial to the poor. Existing sales taxes hit middle class people especially hard so doing it on a larger scale would be more of the same. To be more fair to people who don't own a home though I think all payments on debt should be deductible, credit card interest as well as mortgages, home equity and student loans. It would encourage people to pay down their debts and save and would be more fair to people who hold debt that isn't based on assets. The only unfairness in the existing code as I it is to lower middle class people who don't hold assets and can't afford a home or. contributions so I think their rates should be eased and they should be allowed some special deductions based on their debt and saving issues as a group. Roth 's and were created so maybe create more new products for them like an. that allows emergency and unemployment withdrawals or a debt repayment deductible account. mwf seeking mwm for ltr 40
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