The 'STFF HOPE PROCESS' is a forward-thinking 'out of the box' Investment solution that changes the current Paradigm. Our goal is to teach and help one citizen, one employee, and one student at a time build a better financial future. We provide a basic fundamental financial literacy knowledge of many concepts of the complex worlds of money, credit, and finance. This would include building 'Paths to Homeownership and Self-Sufficiency'.

It challenges the position that Stimulus checks, tax rebates, and government assistance are the best ways to help struggling citizens in times of rising prices, waves of lay-offs, and inflation. The NFEC conducted a survey that concluded financial illiteracy costs 254 million American adults over $436 billion annually. We must find a way to put all this money back into their pockets enabling them to generate savings, and wealth, and grow their local communities. Statistics state that 69% of Americans are living paycheck to paycheck, more than likely because they have a lack of or inadequate financial literacy knowledge. In these challenging times inflation, high credit card debt, and shrink-flation people are really struggling financially. American credit card debt has reached over $1.13 trillion and $120 billion in interest and fee payments. This creates enormous amounts of financial stress in their lives and causes many health concerns.

Only 57% of Americans have basic financial literacy and over 60% are living paycheck to paycheck, not to mention those living in poverty creating unique financial challenges. With today's high inflation and never-ending rising prices, their money is being stretched to the limit creating more food and housing insecurities. The current economy is making it difficult for them to pay rising rental costs and is putting folks behind on their mortgage payments causing many of them to go into foreclosure. Whatever the governments and people are doing isn't working, the current system is broken. Our solution's goal is to raise the financial literacy IQ of all Americans within the next four years. This will help them put this $436 billion annually back into their pockets to pay off student loans, bank accounts, and communities, ending food, housing, and financial insecurities. This is a perfect model for and the epitome of Trickle-Up-Economics.

This NFEC data and rising prices present citizens with many unique financial challenges. Without adequate financial knowledge, how can they ever overcome their enormous debt to become successful? We all know politicians can't control prices; therefore, we need to try something different that would reduce the need to continue to raise the Debt Ceiling and would receive Bipartisan support. Our solution offers governments a unique opportunity to change the Paradigm and invest in cultivating a more financially literate citizen base providing adequate financial knowledge to achieve their dreams. At the same time, it will uplift them, give them 'HOPE', and motivate millions of citizens of ‘Underserved’ Communities to build better sustainable financial futures for themselves and their families.

Politicians continue to debate whether college education should be free for all citizens. Many students can't afford to attend colleges or post-high school trade programs and not everyone has plans to attend college. Our Solution gives them options they may not have thought existed for them. If they are thinking about going to college, having the knowledge of how to repay their student loans before deciding to take out student loans will definitely encourage them to pursue that college education to fulfill their dreams. So, why not make an investment in them and change their lives for the better? This investment is an excellent means to provide all of your citizens with immediate financial knowledge and life skill tools to change their lives. It shows them that their government actually cares and is committed to providing a desperately needed supplemental resource to reach a more secure financial future. It also makes them feel included in the government's future plans and this simple act of increasing their financial IQ will allow them to better manage their money, credit, and finances, it's like giving them a tax-free raise. It is like a financial educational ‘Head Start' class that explains and shows them the value and benefits of having a raised financial literacy IQ in the Adulting phase of their financial responsibilities. The 'STFF HOPE PROCESS allows you to uplift entire families when it's provided to multiple members of a family at the same time.

It gives them the knowledge and ability to make the necessary changes to correct their past bad financial decisions and get back on the right path. The ‘STFF HOPE PROCESS’ helps them to acknowledge their own contribution and personal responsibility for their current financial situation. In doing so they become more proactive and willing to make positive necessary behavioral changes. This will reduce the probability of them having future housing, food, and financial insecurities and needing social assistance. It’s a proactive self-administered solution that doesn’t require any costly government administrative support staff.

The 'STFF HOPE PROCESS' is a cost-effective investment solution for far less than you think, with a much higher Return On Investment in people for both you and them than any $500, $1,000, or $2,000 Stimulus or Rebate check could ever offer them. It offers your citizens the 'Gift' of increased financial literacy for building much more secure financial futures.

As government officials, it is your sworn duty and obligation to provide the citizens in your ‘care’ with the best available resources and opportunities to become successful and achieve their best life. This investment needs to be made because they have struggled long enough and they desperately need it, they deserve it, they are worth it and they cannot be financially successful without it.

So, give them the knowledge, ‘HOPE’, inspiration, motivation, and encouragement they need to change their lives. This solution of financial literacy is a ‘Gift’ that will have more of a long-term financial benefit for your citizens than any stimulus, cash payments, and Treasury Surplus tax rebates. The 'STFF HOPE PROCESS' teaches and educates them so they will have the knowledge and tools to make better financial decisions, maintain a higher credit score, and pay lower interest finance charges. Therefore, this new financial knowledge will increase the purchasing power of their income and encourage savings.

Your investments ROI is measurable and can literally save and put tens of thousands of dollars if not hundreds of thousands of dollars back into the pockets of your citizens over their lifetime in lower finance interest payment charges. This would definitely help them to save towards a more financially secure retirement. Here's how the numbers work out, for every million citizens who are able to put $100,000 back into their pockets that would equal $100 billion back into your local, state, and national economies. These kinds of windfall numbers multiplied by millions of folks would do wonders to reduce the need to keep raising the Debt Ceiling and help pay down the National Debt.

This is a once-in-a-lifetime cost-effective investment opportunity to uplift and provide 'HOPE' to millions of your struggling citizens that you cannot afford to ignore. So, join us in declaring war on generational poverty by investing in our Solution. It's a win-win situation for your citizens, our communities, local governments, states, and our country.

To maximize the benefits of the 'STFF HOPE PROCESS' it must be coupled with an abundance of 'real' living wage employment opportunities, union wages, and affordable housing. That being said, the 'PROCESS' will provide them with the knowledge, and life skill tools to maintain a very good to excellent credit score and change their lives. Making better financial decisions equals a better credit score which is the key to savings, homeownership, and a better financial future. When all of these components are implemented, they will put tens of thousands of dollars if not hundreds of thousands of dollars back into the pockets of your citizens. This will definitely decrease the number of citizens needing food banks and other housing subsidies. So let's make an investment to put them on the path to self-sufficiency and financial success. Therefore, breaking and ending the current generational cycle of poverty and reducing the need for social services.

Once again, the 'STFF HOPE PROCESS" also has the potential to put hundreds of millions if not tens of billions of dollars back into your local, state, and national economies. So, please join us in 'Raising Americans' Financial Literacy Intelligence Quotient, IQ. What better use is there for your State Treasury Surplus? Lottery proceeds and if applicable, your state's Cannabis sales tax revenue?

Neighborhood of houses

The ‘STFF HOPE PROCESS’ primary purpose is to provide Americans with the ‘Gift’ of increased financial literacy and the life skill tools to achieve their financial goals and dreams. This Solution provides them with clear paths and road maps that enable them to manage their money, credit, and finances to make better financial decisions. The benefit of this knowledge helps them avoid the many financial pitfalls most people encounter. It also increases their purchasing power and savings and helps them achieve their long-term financial goals.

Many of these goals consist of increased savings, purchasing a house, and accumulating enough money for a leisurely retirement.

Please also, view the Benefits Tab and the Penal System Tab for additional government benefits of the 'STFF HOPE PROCESS'.

An investment in increasing your citizens' financial literacy intelligence quotient is always a good investment and builds stronger communities.