Hey, Life with Justin Stephens community! Justin here, with a journal entry diving into a concept that's been brewing in my mind for the last 3 years: America's Holding Company. As we document this journey through personal finance, success, business, sales, and marketing, today's post is about sharing big ideas that could change lives. This isn't just theory—it's my response to seeing how systems like social security fall short for younger generations. Let's break it down, and I'll explain why I'm passionate about it.

The Problem with Social Security: A System for the End, Not the Start

The current social security system is designed to take care of people in their later years, once they've already lived life and figured things out. That's great for retirement, but what about the kids getting started? What about our 25-year-olds trying to do big things but lacking funding or support? I see it as a pie that's only sliced at the end, leaving young people hungry when they need it most. This leaves many in poverty or struggling, without a way to build early momentum.

Introducing America's Holding Company: Time-Based Equity for All

America's Holding Company is my concept to split the pie of social security more equitably, allowing access throughout life instead of just at retirement. Born to first supplement social security, it could eventually replace it if we decide it's right. The key? It's all based on time. The true value of time has never been captured in our society—once it's gone, you can't get it back. So, the pie gets divided based on the number of years someone has paid into the system, rather than how much they paid in the last 5 years like now. This gives younger contributors earlier access to support for education, starting businesses, or family needs, lifting people out of poverty and fueling innovation.

Modeled after Employee Stock Ownership Plans (ESOPs), but for "clients" instead of employees, it creates ownership in society. Imagine earning equity through contributions, usable for life's milestones—supplementing income, investing in dreams, or building stability. There's a lot that goes into this idea, and that's what I'll be blogging about for the foreseeable future: The mechanics, potential impacts, and how it could reshape equity.

Why This Resonates: A Call to Build Boldly

This concept was sparked by my own experiences—seeing gaps in support for starters like me. After Charlie Kirk's tragedy, it's pushed me to share boldly. If we truly believe in equity, why not design systems that empower from day one? I'm excited to explore and get your feedback.

Why This Matters for Your Journey

Big ideas like this challenge us to think about finance beyond personal budgets—societal systems for collective success. It's about ownership, resilience, and lifting all boats.

At Life with Justin Stephens, we share raw Journal Entries like this, alongside Point of View stories, Life Strategy tips, Resources, and Great Causes to inspire your path in finance, business, sales, marketing, and beyond.

Call to Action: Subscribe at justindcstephens.com for daily motivation. Share your thoughts on social security reform, and comment: What one change would you make to support younger generations?

P.S. Tomorrow, a Journal Entries post on the business structure behind America's Holding Company. Stay tuned!

To your success,
Justin Stephens