In today’s politically charged environment, the topic of redistribution of wealth has created an intense debate.

Redistribution of wealth at its very core is a tremendous and even utopian ideal for both the atheist and the religiously minded.  Who wouldn’t want to live in a world where everyone enjoys few financial limitations?  Who doesn’t want to eradicate poverty?  No one!  I certainly don’t get a good feeling looking at it, and always wish I could do more.  Ninety-five percent of humanity would agree, it is really an ideal worth pursuing; and, it isn’t until the ways and means of implementing such an ideal that the proverbial gloves come off and the real fight begins.

For all intents and purposes of this discussion, let’s put the gloves back on, take a few steps back in time when redistribution of wealth was noble, and let’s engage in some friendly sparring to see where it goes.

The majority of us would agree that taking wealth forcibly from the haves and giving it to the have-nots is not the most effective, fair, or viable way of redistribution.  This type of redistribution has not worked historically. (Case in point: the Bolshevik model).  Compulsory methods cause revolutions, civil wars, and even World Wars costing millions of lives—resulting in  a new consolidation of wealth with those in power.   But, what if it could come about naturally, through free-market forces?  It can!   The model is proven.  I’ve seen it on the microcosm.  And, though the concept is limited to the United States, at least it’s a good place to start:  After all, we can’t address world poverty if we are experiencing large-scale poverty within our own borders.

Granted, not everyone can be pulled from poverty:  It requires an inner desire. But the redistribution of which I speak can solve 90% of the problem if this concept were universally available.

The Redistribution Model—Mortgage Acceleration: After spending close to a decade in this new industry, I’ve seen how mortgage acceleration provides the ideal model for redistribution of wealth naturally; the basis of which is found in reducing the life of our clients’ mortgages from 26 years and 9 months down to an average of 8 year and 11 months—creating an average savings of $164,000 in mortgage interest.

Imagine!  Every household retaining an average of $164,000 that has traditionally streamed into the pockets of Bankers and Wall Street financiers!  On a macro-economic scale, what would this do? In paying off a mortgage in just under 9 years (simply by reconfiguring your banking practices), what would you do with an extra $164,000?  Probably invest in another couple properties (ergo, another couple of mortgages—so the bank certainly has no issue with it: They lost one mortgage, but gained two); There would be more vacations, home improvements, hobbies, leisure, dining, etc. etc. etc.

I would presume that $164,000 extra per household would go a long ways in improving the  retirement dilemma.

What a utopian ideal!