120th Congress · A Bill Ready for the Floor

The Main Street Democracy Act

A plain-language fix for a broken system. Written by a business owner. Not left. Not right. Just good sense applied to the most important organization in the world.

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Washington isn't broken by accident.

I'm not a politician. I'm a business owner. And I think we've been doing this wrong for a long time. We have built a system where public service is a financial sacrifice for the talented and a financial opportunity for the corrupt.

"A senator earns $174,000. The lobbyists working the halls outside their office earn five to ten times that. We should not be surprised by what that incentive structure produces."

These are not political problems. They are business problems. And like any business problem, there is a straightforward fix.

19%
of all campaign contributions from just 300 families
38¢
per month — your share of the cost to fix it
100M+
Americans with a direct stake in this bill
0.01%
of the federal budget — total cost of all salaries

Here's the fix — four things, no fine print.

I don't claim to have every detail figured out. But I've been thinking about this for a long time, and I think the framework is right. Here's the plain-language version — full legislative text is attached below.

1
No more getting rich off the job.

All personal wealth goes into a blind trust while serving — broad market investments only, no stock picking. After leaving office, no paid board seats or speaking fees for 5 years (House), 10 years (Senate & VP), or 15 years (President).

Enforced by Office of Government Ethics. Violations are federal offenses. You serve the people. You don't cash out that access the moment you leave.
2
Pay lawmakers what the job is worth.

House Representatives: $1M/year. Senators: $3M/year. President: $50M/year. Your share: 38 cents a month — less than 0.01% of the federal budget. That's the greatest return on investment in American history.

Shutdown Penalty Every day the government shuts down, every elected official forfeits one full week's salary — no exceptions, and no back pay.
3
One person, one vote. No exceptions.

Super PACs strictly regulated. Dark money banned — every dollar must be traceable to a real person within 48 hours. Direct campaign contributions capped at $3,000 per candidate per cycle. Willful violations are federal felonies.

Why 19% of all political contributions come from just 300 individuals. That's not democracy. That's a pay-to-play system.
4
If you want to run clean, we make it possible.

Candidates may raise up to $25,000 per donor in an exploratory phase — enough to get to Iowa, not enough to own anyone. Once they certify as a Small Dollar candidate, a 6-to-1 public match activates on every donation under $250. Certification is irrevocable.

Cost Less than $6 per American per election cycle. Result Candidates who can win on small dollars don't owe anyone anything when they get there.

This isn't a special interest bill.

It's for the majority of the country asking for a government that works as hard as they do.

59M
Small business
employees
6.3M
Small business
owners
35M
Large-employer workers
earning under $60K
Total Americans with a direct stake
100M+
That's 60% of the voting-age population.

One question. Every candidate. Every election.

Ask every candidate, on the record
"Will you vote YES on this bill, as written, with no changes?"
✓ YES
That's your person. Vote for them — regardless of party.
✕ Anything else
Vote for the other person. Every time. No exceptions.

This isn't a bill we're asking Congress to pass out of the goodness of their hearts. It's a litmus test. We don't need the people blocking it to grow a conscience. We need to replace them with people who already said yes.

The primaries. Don't skip them.

15–20%

That's the typical turnout in a primary election. The entire field of candidates you see in November — your only choices — was decided by one in five of your neighbors.

The general election is the final exam. The primary is where you decide who's allowed to take it.

We've heard it. Here's the answer.

Click any objection to read the full response.

You're probably right that the people already in power won't bring this to the floor willingly. That's exactly the point. This isn't a bill we're asking Congress to pass out of the goodness of their hearts. It's a litmus test. Every person running for office gets asked one question, on the record. If they say yes and don't follow through, we have it on record. If they say no, we vote for the other person. We don't need the people blocking it to grow a conscience. We need to replace them with people who already said yes.

Because every other reform effort has asked politicians to police themselves. This one asks voters to police politicians. There's no committee to bury it, no amendment process to water it down, no backroom deal that makes it go away quietly. It doesn't require a single person in Washington to act in good faith to work.

Money isn't speech. Money is volume. The First Amendment guarantees everyone the right to speak — it does not guarantee everyone an equal microphone. When a single donor can spend enough to run ten thousand ads while a working family's entire political participation is a yard sign and a vote, we haven't protected free speech. We've auctioned it.

A billionaire's vote counts the same as a schoolteacher's vote on Election Day. The contribution cap ensures their voice in the race to get there counts closer to the same as well. This is not about punishing success. It's about ensuring the marketplace of ideas remains one where every American can afford to participate.

This bill is designed to attract virtuous people — but it's honest enough to acknowledge we can't guarantee that. Here's what we can guarantee: when the job pays well, more people want it. And when more people want it, the ones who abuse it have a waiting room full of qualified replacements who have every incentive to blow the whistle.

Right now, too many officials aren't getting rich off their salary — they're getting rich off their access. A well-paid official who shows up to do a job and goes home is infinitely preferable to an underpaid one who shows up to leverage the office. Someone drawn to public service by a competitive salary may not be a saint. But they're showing up to do a job, not to work an angle.

The President manages a $6.75 trillion budget — larger than the GDP of every country on earth except the US and China. They command the world's largest military. The average Fortune 500 CEO manages a fraction of that complexity and earns between $15M and $50M a year — with no term limits, no security restrictions, and no obligation to serve anyone but shareholders.

$50M for that job is not obscene. Paying $400,000 for it and then acting surprised when the person figures out how to monetize the access — that's obscene. The total cost of all executive branch compensation under this bill is still less than the annual salary of the top ten hedge fund managers in America.

That's a fair instinct. Here's what it's actually funding: the right of any American — regardless of personal wealth — to run for office without owing a single favor before they take the oath. The program is entirely voluntary. The ones who opt in are telling you they chose to be accountable to small donors over large ones.

The cost is less than $6 per American per election cycle. The hidden cost of the current system — policies shaped by the donors who funded the campaigns that won — runs into the trillions. We are already paying for this system. We're just not getting anything back.

You're right that money alone doesn't make people honest. This bill never claims it does. That's why it pulls every lever at once: competitive salary removes the financial justification for leveraging the office. The blind trust removes the mechanism for profiting from insider access. The cooling-off periods remove the exit ramp. The contribution caps remove the special interest pipeline. The Small Dollar program creates a clean path for clean candidates.

No single brick holds the wall up. All of them together do.

Fair point — and this bill doesn't pretend otherwise. But here's what it changes: right now the candidate pool is so shallow and so filtered by donor access that most voters choose between two options neither of them is excited about. Raise the salary and watch what happens. Talented, capable people who had no financial reason to run suddenly have one. The primary field gets crowded. And when you put a dozen sharp, motivated people on a debate stage, they will find every skeleton in every closet — because that is how you win.

The best argument for any candidate's virtue isn't what they say about themselves — it's what ten equally motivated opponents couldn't find to say against them.

Every person reading this knows at least five people who feel the same way. The ask is simple: read it, share it, ask the question at the ballot box. You don't need a platform. You don't need money. You just need to forward an email.

This idea has already been proven. Singapore has been running this experiment since 1965 — and the results are in.

When Singapore gained independence in 1965, its GDP per capita was $516, unemployment was 14%, and a third of its population lived in slums. Its founding leaders made a deliberate decision: pay government officials competitive private-sector salaries and hold them to an uncompromising standard of accountability. Today, cabinet ministers earn $750,000 and the Prime Minister earns $1.7 million. As PM Lee Hsien Loong put it directly: if you don't pay public officials what they're worth, "people will find ways to camouflage compensation."

The results are not subtle. Singapore is now ranked the 3rd least corrupt country on earth out of 180 nations. Its GDP per capita — which was one-third of Western Europe's in 1960 — is today roughly twice Western Europe's average, the highest in the world by purchasing power parity. It achieved this with no natural resources, no strategic land mass, and a population of six million people.

The United States has 330 million people, the world's largest economy, and the world's reserve currency. If Singapore could build that result from a standing start, the argument that we cannot afford to try is not a fiscal argument. It's an excuse.

Read it. Share it. Attach it.

All three documents are available to download, forward, and share. The bill is formatted and ready for the floor of the House on the first day of the 120th Congress.

They are counting on you to feel hopeless.
That feeling is not an accident — it is the intended result of a system
that has spent decades making you feel like your participation doesn't matter.

Don't give them the satisfaction.

Let's make them
earn it.
The Main Street Democracy Act  ·  120th Congress  ·  2027