Democrats’ ‘Fix’ For A $5 Trillion Medicare Spending Increase Is The Same Proposals That Caused It
At a time when multiple budget analysts have highlighted an explosion in Medicare spending due to the IRA, what did Wyden’s white paper propose? More of the same.What if the solution to American prosperity is hiding in plain sight?
We feel it at the grocery store. We feel it when we pay our utility bills. We feel it every time we check our bank accounts and browse house listings. I especially feel it when just two bags of groceries cost me more than a hundred dollars.
America's affordability crisis is real. Inflation is hurting families. Housing costs are through the roof. The American dream feels increasingly out of reach for many young people.
Our story isn't unique. For most of history, families have built stability and wealth together rather than waiting until they had already achieved it.
But what if part of the problem isn't just economic? What if it's cultural?
What if it's that more and more of us are postponing — or outright rejecting — the very milestones that once allowed our country to thrive?
For generations, marriage and family were some of the biggest building blocks of financial stability and success. Today, marriage rates are declining, family formation is delayed, and birth rates have fallen so low that we can’t even replace ourselves. At the same time, Americans are marrying later than ever, and first-time homebuyers are now 40 years old on average.
These aren't isolated trends. They are interconnected signs of a culture that has turned family from a foundation for building a good life into a finish line that many feel they must reach only after they have "made it."
Foundation, not finish line
I didn’t grow up in affluence by any means. Things were often tight at the Thorman household with nine children (yes, all from the same parents), though none of us went “without.” My parents and their friends welcomed kids into the world with open arms even though they had no idea how they were going to afford us.
When my older siblings were born, things were so tight that they mostly lived on beans and rice and a whole lot of prayer. My dad worked extremely hard, and with smart financial decisions coupled with his integrity and strong work ethic, his salary increased over the years — just as the data has long predicted.
But one thing my parents didn’t have was Pinterest-perfect homes, luxury vacations, or every financial box checked before starting a family. They just did it. They just got married young, committed to one another, welcomed children, and built a life together.
I'm not advocating for irresponsibility, but we need to regain knowledge that was once intuitive: Marriage and family don't stand in the way of financial success; they help create it.
Having it all
Our culture has it all backward. The expectation that we have to travel the world, have perfect-looking homes, and "find ourselves" before settling down has not made us happier or more financially savvy. Rather, it has only made us more miserable, lonely, and empty.
The very lies society feeds us about delaying marriage and family in order to "have it all" often undermine the very things people are seeking: financial stability, purpose, belonging, and long-term happiness. These are not obstacles to marriage and family; they are the fruit of them. We have convinced an entire generation that family should come after success, when for much of human history, family was the primary way people built success.
The data bears this out. Marriage and stable two-parent households consistently produce better economic outcomes: higher household income, greater wealth accumulation, lower poverty rates, and greater financial stability for children. Imagine that. The family structure God designed not only benefits individuals spiritually and emotionally, but also creates some of the strongest economic outcomes for families and society alike.
Having a family will alter your priorities, and rightly so. For my husband and me, having two kids (with more to come, God willing) has changed how we spend our money, where we spend our time, and what we value the most. We hardly get to take vacations, let alone the kind "influencers" brag about on social media, and that’s OK. I’ll take my kids over luxury experiences every day. So yes, kids change your lifestyle — and that’s a good thing.
For me, I get to do life with my best friend and make carbon copies of us, and it’s exceptionally awesome. I want everyone to experience it, because my family isn't the obstacle to a meaningful life; it’s the source of one.
My story isn't unique. Social science has been documenting the economic benefits of marriage and family for decades.
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Marriage: The great anti-poverty program
Washington politicians love to debate tax credits, subsidies, and government programs, yet one of the strongest predictors of economic stability isn't a government policy at all — it's marriage. Certainly, government policies matter. Washington can lower taxes, reduce burdensome regulations, and make housing more affordable. But no government program can replace what strong marriages and families provide: stability, sacrifice, belonging, and a purpose larger than ourselves.
Research from the Institute for Family Studies found that among Millennials who graduated high school, worked full-time, and married before having children, 97% avoided poverty altogether by their mid-30s. Far from being obstacles to financial stability, marriage and family are often among the strongest predictors of it.
My husband and I are a testament to that reality. We got married in our 20s with very little to our names. No trust funds or other "head starts"; nor did we have every financial box checked. We simply started building our life together anyway.
Since then, our careers have grown and our incomes have increased. After living in a small apartment and saving as much as possible, we purchased our first home — including a nice yard to play in — after welcoming our first child. Our story isn't unique. For most of history, families have built stability and wealth together rather than waiting until they had already achieved it.
Worthy inheritance
The financial advantage enjoyed by married households extends to the whole family. Children raised in stable two-parent homes are far less likely to experience poverty and far more likely to move up the economic ladder. In 2021, just 9.5% of children living with two parents were in poverty, compared to 31.7% of children living with a single parent.
Strong families provide stability, support, and opportunity in ways that no government program can ever replicate. If we truly want to reduce poverty, expand opportunity, and strengthen our nation's long-term prosperity, we must acknowledge the indispensable role marriage and family play in human flourishing.
Whatever efforts Washington makes to ease Americans' financial burdens — whether through tax cuts or education reform — lasting change must start with us. Too many young people who tell themselves they're putting off marriage and children for financial reasons are in fact mistaking risk for impossibility. Building a life has always required a leap of faith.
It's a leap more of us have to make if we want to keep the American dream alive. Can we afford to have children? The better question is can we afford not to. If we want more prosperity, opportunity, and stability, we should start by strengthening the institution that has helped make those things possible for generations: the family.
Donald Trump is still the working-class president
Lately, a new talking point has emerged online: Donald Trump no longer cares about his MAGA base.
The claim goes like this: The president has become too isolated in Washington and too focused on his own bottom line. Rather than looking out for the working-class men and women who elected him, he has descended into the same D.C. swamp he once denounced.
Politicians often sell out their constituents, and corporate pressure on Capitol Hill is enormous. But in Trump’s case, maybe, just maybe, a little hope is warranted.
It’s a crazy argument, and one that collapses on contact with his record.
Trump may not hold as many Rust Belt rallies as he once did. That should not surprise anyone. He’s busy doing the job of president. But fewer rallies do not mean he has forgotten the voters who sent him back to the White House.
Look at his policies.
Start with his fight against fraud. The endless theft of taxpayer money in Democrat-run Minnesota shows how severe the criminal abuse has become. That is why Vice President JD Vance held a meeting with state attorneys general to discuss the issue and press them to act.
The meeting came as the Trump administration declared a “full-scale war on fraud.” White House adviser Stephen Miller has argued that Washington’s fraud problem is so large that eliminating it could effectively balance the federal budget. This is not abstract accounting. Fraud steals from working-class Americans who both pay into federal programs and rely on them.
Trump is also fighting on housing. The president understands that the cost of a new home keeps rising, often because state and local officials stand in the way of reform. They bury builders in red tape, restrict supply, delay construction, and then wonder why young families cannot afford a starter home.
Trump recently pushed back against those NIMBY nabobs with an executive order that cuts through anti-housing regulations at the federal level while pressuring states and municipalities to do the same. The order takes particular aim at “green” building codes, beloved by Democrats, that delay home construction and drive up costs.
Trump is also streamlining the Single Family Housing Guaranteed Loan Program, which underwrites loans to help working-class and rural Americans buy or build homes. He has also backed a bill to bar big financial firms from buying up single-family houses and driving prices higher by reducing competition.
Does that sound like a president who has forgotten his base?
Then consider prescription drugs. The global medicine market has become a racket. The United States develops and manufactures life-saving drugs while other wealthy countries impose price controls and pay below-market rates. American patients then get stuck making up the difference.
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Americans today pay two to three times as much for prescription drugs as people in other developed nations. For seniors living on fixed incomes, that can mean skipped doses, delayed refills, and impossible choices between medicine, groceries, and rent.
Trump is demanding that foreign nations pay their fair share. He recently dispatched U.S. Trade Representative Jamieson Greer and health adviser Chris Klomp to press the German ambassador and demand that Europe’s wealthiest country stop underpaying for American medicines.
The president has already struck a deal with the United Kingdom that will require it to pay 25% more for U.S.-developed drugs. That means less cost-shifting onto American patients, and Trump has pledged to take the same fight to other freeloading foreign governments.
Trump is also protecting the working class by defending their right to vote. He recently signed an executive order declaring that voting is reserved for American citizens while cracking down on fraudulent ballots and strengthening mail-in voting safeguards.
Every illegal immigrant who votes cancels out the lawful vote of an American citizen. Election integrity is not a boutique issue. It is the foundation of self-government, and working-class Americans have the most to lose when powerful interests dilute their voice.
From cutting taxes to expanding apprenticeship programs, from growing the job market to presiding over historic blue-collar wage growth, Trump has kept his focus where it belongs. He still believes in striking deals that help the forgotten men and women of this country get ahead.
The media may miss this while obsessing over New York Democratic Rep. Alexandria Ocasio-Cortez’s latest performance. But Trump is still fighting the good fight.
Pessimism in politics is understandable. Politicians often sell out their constituents, and corporate pressure on Capitol Hill is enormous. But in Trump’s case, maybe, just maybe, a little hope is warranted.
Blame Government Overspending For America’s Affordability Crisis
Democrats will spend the midterms trying to equate 'affordability' with more government spending programs. Conservatives should make the opposite case.College towns bred the next plague on rural America: The fail-lib
Traditionally, one advantage of living in rural America was the ability to escape insufferable leftists. The trade-offs were obvious: fewer jobs, fewer restaurants, less entertainment, and fewer institutions built for upward mobility. But distance from liberal cultural centers meant the average community could preserve a sane, conservative, patriotic outlook — the kind of place where normal people could still breathe without asking permission from their urban cultural commissars.
That escape has narrowed. As media and universities became more radical, their disciples moved into rural America through government-mandated institutions like schools and libraries. Progressivism became harder to avoid no matter how far someone moved from the city. Thus the hicklib was born.
The fail-lib was promised luxury and elite influence. Now she serves people she despises while searching for any opportunity to make their lives worse.
The hicklib is usually a social outcast, a failson who needs a moral explanation for why he hates the community he never fit into. His resentment searches for a theory that will dignify his rage, and the progressive missionaries installed in local institutions are happy to provide one.
Teachers tell the hicklib his country is evil. His family and neighbors are racist, sexist, backward religious fanatics destroying the lives of minorities who do not even live in town. The white Christian culture that dominates rural America is primitive and responsible for the evils of the world. The hicklib’s failure to fit in becomes proof of moral superiority.
So the hicklib shows up at town council meetings in a Black Lives Matter shirt to denounce minority oppression in a community with no actual black people. That absence, naturally, becomes further proof of the town’s intolerance. He loudly organizes Pride events attended by two other hicklibs. The clique stages protests, distributes flyers, and imitates urban activist rituals.
By practicing the sacraments of their faith, they hope to summon the spirit of the age to judge their reactionary little town.
The hicklib has become one of rural America’s petty plagues. But as the value of college degrees collapses, a new breed is emerging: the fail-lib.
The fail-lib worked hard in high school and gave progressive teachers every approved answer. She wrote her college entrance essay on the oppression of transwomen of color in coal mining. On campus, she became an activist. She secured a degree in some woke humanities discipline and earned straight A’s by repeating everything her communist professors told her.
The path to success was laid out before the fail-lib was born. She followed it perfectly. All that remained was the cushy corporate HR job and her rightful place making ordinary people miserable.
Then the plan failed.
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The college degree that cost $100,000 was supposed to guarantee success. The debt would be worth it because the credential would deliver a salary large enough for an apartment, a car, and monthly student loan payments. But the degree was not merely about financial security. It was also a symbol of status. College graduates were supposed to rule over the simple plebs who never left home.
The degree would confer wealth, power, and privilege. Instead, it turned out that too many people held degrees and too few jobs required them. Corporations began cutting HR departments that wasted resources and reduced productivity. Poor oppressed immigrant workers somehow found work while the fail-lib remained unemployed, though a good progressive would never complain. She could never explain how, but she knew the white Christian patriarchy was responsible for this injustice.
Earlier generations of college students had an insult for the ordinary residents of college towns: townies. The townie was contemptible because he was not merely passing through before collecting a credential and moving on to rule the world. He belonged to the place the student planned to use and abandon.
The arrogance required to insult the permanent residents of a community while you are a temporary visitor is staggering, but the slur was common. It revealed the sneering condescension of the would-be liberal elite. Now the tables have turned.
The college degree was once a ticket to the top. Now it is an expensive lottery ticket with worsening odds. More graduates emerge from extended stays in higher education with mountains of debt and few prospects.
The fail-lib spends a year unemployed, desperately seeking even the entry-level positions her fancy degree was supposed to let her bypass. After burning through savings and taking on more debt, she accepts a management job at the local Starbucks or retail outlet. If she gets lucky, she might run the local Apple Store.
The hicklib may be insufferable, but the fail-lib is worse. She was destined to leave the college town behind and move to a big liberal city like New York. She was supposed to be the person ordering lattes and $30 burrito bowls for important work lunches, not the person making them. Once, she mocked the parochial townies trapped in their backward existence. Now she is stuck among them with no escape.
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The fail-lib is not merely trapped in the backwater town. She is poor and low-status. A management job at Target might provide a decent life in a small town where prices remain low, but the fail-lib has a mountain of student debt she can never repay on a retail wage.
Plumbers, cops, firefighters, and mechanics all seem to make more money and enjoy more status in the community. The fail-lib was promised luxury and elite influence. Now she serves people she despises while searching for any opportunity to make their lives worse.
Artificial intelligence will intensify the problem. The bureaucratic make-work jobs progressive college graduates once dominated are among the easiest to automate, consolidate, or eliminate. The bitter entitlement of a psychology major with $100,000 in debt helping you find the cereal aisle will become more common.
The fail-lib may make less money than you. She may be less respected than you. She may even be despised by the townies she once mocked. But in her heart, she knows she is superior.
Nothing could convince her otherwise.
And she will spit in your burrito just to remind you who was supposed to be in charge.
Republicans should fight affordability battles locally
As the Trump administration and congressional Republicans work to lower Americans’ cost of living this year, they should be guided by a simple principle: All affordability is local.
Democrats and too many establishment Republicans still think they create jobs, economic growth, and opportunity. Whenever high prices pinch consumers, lawmakers huddle up with K Street lobbyists to see what big business, big tech, and big banks want ... and give it to them.
Yet they scratch their heads as corporate profits surge while working families’ monthly bills only climb higher.
Corporate consolidation makes life easier for lawyers, lobbyists, bureaucrats, and politicians. But it makes life much more expensive for everyone else.
We’ve seen this pattern again and again. Obamacare. Federal student loans. Subsidized mortgages. The Build Back Better inflation bomb. These policies doled out billions to insiders and middlemen but left everyday Americans holding the bag.
Instead of writing more checks this time, congressional Republicans should focus on rewriting the rules that are contributing to our affordability crisis. Federal regulations — mostly imposed by deep-state bureaucrats, not elected legislators — cost the U.S. economy more than $2 trillion per year. That’s five times the size of last year’s Working Families Tax Cuts legislation.
Reforming these regulations would lower prices, spur job-creating investment, and produce the broadly shared prosperity Republicans promised on the campaign trail.
Their first priority should be to reform the federal permitting process, an issue the White House and Congress have been working on together. However, despite real progress to improve efficiency and remove unnecessary red tape, the response has yet to match the urgency of the moment.
The permitting process has become a punchline — it’s wasteful, corrupt, and self-defeating. Federal agencies are blocking massive, urgent infrastructure investments in energy, mining, defense, transportation, AI computing, and manufacturing. Sometimes it seems like the U.S. economy’s greatest rival is not China, but our own government.
Our energy needs alone warrant wholesale regulatory reform. The United States today has neither the energy production nor transmission capacity we need to keep up with AI-driven electricity demand. New rules should be streamlined, transparent, and, most of all, fair. Our economic competitiveness and national security depend on these investments. A more prosperous, more secure future is not going to build itself.
The second priority, related to the first, is housing. President Trump has already signed executive orders to reform regulations that are holding back new home construction. Congress needs to follow his lead. The inability of working families to afford homes today has metastasized into more than an economic drag — it’s becoming a social crisis.
Current housing regulations seem intentionally designed to drive up home prices. This is great for well-off Boomers who see their homes primarily as 401(k)s with finished basements. But it’s catastrophic for young couples hoping to get married and start families.
By some estimates, the U.S. housing shortage is already more than 4 million units. Federal regulations should not stand in the way of new home building — nor should Washington subsidize state and local governments’ regulatory obstruction.
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Federal rules drive up costs in every sector of our economy. Health care, education, business, and occupational licensure all present golden opportunities to reform-minded policy entrepreneurs in the House and Senate.
And while they’re fixing regulations in those industries, Congress should also key in on the industry that ties them all together: banking. Right now, federal banking regulations are tilted in favor of the big banks, unfairly hamstringing some community banks and forcing many others to merge or close.
Industries dominated by huge corporations always seem robust. But as we saw during the financial crisis — and as we see every time an artificial bubble bursts — healthy, consumer-friendly markets are diverse and decentralized.
While outright bank failures have remained relatively limited in recent years, community banks are steadily disappearing through mergers, consolidations, and voluntary closures. In 1990, there were around 12,000 community banks scattered across the U.S. Today, only around 4,000 remain.
According to the FDIC, the number of community banks continues to decline each quarter, with 44 of them either closing or being absorbed by larger institutions in the fourth quarter of 2025 alone. That trend matters because community banks are not interchangeable with Wall Street giants.
Corporate consolidation makes life easier for lawyers, lobbyists, bureaucrats, and politicians. But it makes life much more expensive for everyone else.
Too many federal regulations treat all banks the same, putting compliance burdens on small lenders that only megabanks can afford.
These regulations squeeze resources out of the local financial institutions that growing communities rely on. Especially in the AI era, the real-world human economy will depend more than ever on personal relationships, community solidarity, and interpersonal trust. Right now, Washington disadvantages those things and the community banks defined by them.
The American people are ready to make our economy affordable again — as soon as Washington lets them. Streamlining federal rules will allow Americans to build, drill, mine, invest and lend, and compute and compete as never before.
Lawmakers must remember that a more affordable economy is a more local, more cooperative, and more human economy. Regulatory reform — from national infrastructure to community banking — is an investment in America’s most powerful and undervalued resource: our people.
Editor’s note: This article appeared originally at The American Mind.
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