A Universal Model for Democratic Wealth Building
The 90% Project
90% of American families are locked out of building generational wealth because the top 10% control 70% of the country's resources. This model shows how dynasty trusts—the very tool they use—can be made available to everyone.
The Problem: Extreme Wealth Concentration
The American economy has become a tale of two realities. 118 million families—the 90%—are forced to compete for just 30% of the nation's wealth, while a small group of 13 million families at the top controls the other 70%.
The 90%'s Share
About 30%
The portion of wealth 118M families must share
The 10%'s Share
About 70%
The portion of wealth controlled by 13M families
The Wealth Gap
$0
Current Wealth Gap Today
The Tool of the Ultra-Wealthy
The ultra-wealthy use a powerful legal structure called a **dynasty trust** to grow their fortunes tax-efficiently for generations. This is how their wealth compounds for centuries.
Lasts for Generations
Can last 100+ years, automatically passing wealth to children and grandchildren without extra legal costs or taxes each time.
Protects Assets
The money in the trust is legally separate from your family, protecting it from things like lawsuits, business failures, or divorces.
Unlocks Compound Growth
By avoiding taxes and fees each generation, the money can grow much faster, creating true generational wealth over time.
A Solution: Democratize Dynasty Trusts
This model makes the ultra-wealthy's most powerful wealth-building instrument accessible, simple, and safe for working families.
Trusted Financial Partners
Major, well-known financial companies would hold the money in secure accounts, investing it in simple, proven index funds and providing regular reports.
Independent Oversight
A nonprofit organization would act as a co-trustee, like a watchdog, to make sure the financial partners are doing their job and that every family's interests are protected for the full 100 years.
Transparent Public Records
Key information about the trusts would be published on a public ledger, creating a permanent and tamper-proof record that anyone can check for themselves.
The Potential Impact: Two Futures
Giving working families access to the same wealth-building tools as billionaires could fundamentally reshape our economy for generations to come.
The Current Path
90 / 10
By 2125, the top 10% could control over 90% of all wealth.
A New Path
50 / 50
This model could help the 90% reclaim a 50% share of wealth.
Join the Conversation
This model is a starting point for a bigger conversation about how we build a fairer economy. If you believe it's time to give working families the tools they need to build lasting wealth, let's talk.