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Bradley T. Borden

Bradley T. Borden

Posted: February 23, 2011 09:50 AM

Last fall the Tea Party flexed its muscles and helped send many new faces to Congress. Now the news is filled with talk of budget-cutting, and House Republicans threaten to shut down government. They propose cuts that reduce spending by $100 billion. This would be good news if our deficit were that small and the cuts didn't adversely affect those who support them.

Cutting $100 billion comes nowhere near to closing a budget gap that exceeds $1 trillion. If the actions do not include tax law fixes, public services such as transportation infrastructure, social security, Medicare, police and fire protection, and public education will be on the chopping block. Cutting those services primarily and negatively affect the middle class.

Real life examples illustrate who wins and loses from such actions.

Mr. Smith is a 45-year-old Wall Street banker who made $15M last year. He is married with two children; his wife doesn't work. They had $200M in investments, which increased by $30M, so their purchasing power increased by $45M last year. They paid $3M in taxes (much of their earnings were exempt from tax or subject to special low rates, so they paid just under $3M in income tax and about $10K in social security and Medicare taxes). Their tax was about 7% of their increased purchasing power.

The Smiths' children attend a private middle school. The annual tuition and expenses are $80K.

Mr. Jones, on the other hand, is a 45-year-old mid-level business manager whose wife is a part-time nurse. Together they made $105K. They are part of the majority of Americans who make between $25k and $200K each year. They had $85K in retirement savings, $30K in liquid savings, and $12K of equity in their home, which they bought in 2002. The value of their investments increased by $5K, so their total purchasing power increased by $110K last year. They paid $24K in taxes (including $16K in income tax and $8K in social security and Medicare taxes). Their tax was about 22% of their increased purchasing power.

The Joneses have two children who attend public middle school. In exchange for the $24K of taxes the Joneses pay, they will receive retirement benefits and retirement health care in the form of social security and Medicare, education for their children, police and fire protection, and other public services.

Consider how budget cuts and no tax fixes will affect the Smiths and the Joneses.

First, consider the estate tax. As children get older, the cost of living increases--children often need braces, transportation, food, clothes, the latest electronic devices, sports equipment, musical instruments, and eventually college expenses. The Joneses will have difficulty maintaining their current rate of savings as their living expenses increase. They will use all of their savings and home equity in retirement and will have very little when they die. Estate taxes won't affect them in any way. Lower estate taxes (or none, in the case of estate tax repeal) help the Smiths, who will pass millions to their children tax free. The revenue lost from the lower estate taxes takes money away from public services the Joneses consume.

Second, consider Medicare and social security cuts. These programs are for the middle class and comprise the most significant portion of the federal budget. The Joneses' savings won't be sufficient to cover retirement, so they will undoubtedly need both. The Smiths will live well without them.

Third, consider tax rates. The effort to prevent tax rate increases for the top 2% of the population may have helped the Smiths avoid hundreds of thousands of dollars of taxes, which they can add to their savings. The increased rate would have done a little to equalize tax rates (remember the Smiths' rate is 7%, while the Joneses' is 22%). The lost tax revenue puts pressure on the services the Joneses consume.

Finally, consider the education budget cuts. The Smiths use private schools, so education cuts don't affect them directly. Cuts to public education will result in larger class sizes for the Joneses' children, lesser-skilled teachers, more demands for parents to cover school costs, higher college tuition, and a watered-down curriculum. Private education comparable to what the Joneses had before the budget cuts will cost them tens of thousands of dollars a year. The Smiths paid $80K last year, but they were paying for the best education money can buy. Cheaper private schools (including K-12) may charge only $5K-$15K per child for one year's tuition; the more expensive ones approach $50K per year. Borrowing to attend expensive colleges will be more difficult because federal student loan programs will be subject to cuts.

The Tea Party's focus on budget and tax cuts appears to benefit the Smiths but will directly harm the Joneses. I somewhat understand why the Smiths support such cuts. The majority of the Tea Party members are, however, like the Joneses. That majority is fighting for changes that help others and hurt themselves. Why are they sacrificing their way of life on behalf of the Joneses? Budget cuts without changes to the tax law will destroy the middle class.

 
 
 
 
 
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HUFFPOST SUPER USER
alafonse
It's definitely a crap-shoot.
06:03 AM on 02/24/2011
There are so many simplistic minds out in the forest, looking for the trees. Logic is apparently not in their playbook. Rational thought was replaced by the monotonous drumbeat from conservative think tanks.

Facts speak differently. Bankers and Wall St execs made a slew of dishonest deals and pocketed the change. Taxpayers bailed them out in spite of their stupidity—1st big mistake. No laws resulted to prevent a replay of this grisly scenario—2nd big mistake. Taxpayers then gave them a 2% tax bonus—3rd big mistake. Now these same corporate misfits, who de facto control all three branches of our entire government, start screaming 'budget deficit' and expect common people to give up yet more. Well, the common folk are starting to wake up and the toe line is being drawn in the sand. We can only bend over and take so much.
HUFFPOST SUPER USER
Kara Kramer
09:36 PM on 02/23/2011
"Why are they sacrificing their way of life"
1. Because they hate the president. And liberals in general. And so they're cutting off their noses to spite their faces.
OR
2. Because they believe the republican lie that they too will somehow become millionaires despite supporting a set of policies specifically geared at making the rich richer, and the poor poorer, and tried and tested in many third world countries.
09:00 PM on 02/23/2011
It would serve the Tea Baggers right to harvest the whirlwind they sowed.
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05:00 PM on 02/23/2011
"Why are they sacrificing their way of life on behalf of the Joneses?"

"the Tea Party flexed its muscles"

Willful ignorance and defaulting to the entrenched USA mentality of 'muscles' vs 'thinking' to solve issues.
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Indigo1941
Time Traveler
04:26 PM on 02/23/2011
The Tea Party does not represent the middle class. That you suggest that's who they are insults the middle class.
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HUFFPOST SUPER USER
Robert Cantor
I am a human being descended from an exclusive gro
02:49 PM on 02/23/2011
ty for your analysis, Mr. Borden. Unfortunately the ppl you need to convince dont have the intellectual tools or inclination to read or understand this post.
And that is one of the reasons we are all here, where we are at.
nothingchanges
too soon old, too late smart
02:44 PM on 02/23/2011
"Why are they sacrificing their way of life on behalf of the Joneses? "

Because they believe the propaganda that they hear on radio and cable TV - 24/7.

Wholeheartedly and without questioning it.

The more important question is, why do our Senators and Representatives vote for tax cuts for the rich? They don't have the same ready excuse. They know better.
itolduso
lateral thinker
02:06 PM on 02/23/2011
They vote against their own interests because they are frightened.... many of them are struggling to hold what they have....and can't understand why that has gotten so difficult to do.... when they try to find answers, corporate-sponsored talking heads and self-serving, sold-out public officials convince them that 'government is the problem' and 'government must be shrunk'....and, because they have forgotten that in America, 'government' is 'of the PEOPLE, by the PEOPLE, & for the PEOPLE'..... they go to 'war' upon themselves....and can't figure out that with every cut.....they, themselves get 'smaller'.
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jsgaetano
Semper Fidelis Tyrannosaurus!
01:33 PM on 02/23/2011
It would have been really easy to cut $100 Billion in spending if the conservatives wouldn't have given over $700 Billion in welfare checks to the top 2%.
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parlimentMike
Don't settle for less evil, demand good
04:50 PM on 02/23/2011
President Obama did, Boehner accepted tax cuts under 250K without the extended give-backs to the wealthy in September.

With a president who stood up for American wage earners the extension wouldn't have happened.
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BBackSoon
Hello, I must be going.
01:29 PM on 02/23/2011
The Tea Party backs these kind of cuts because 'One Day' they too will be rich!

And they are more concerned with someone living high on the hog on a welfare check than the nations top billionaires that are draining their bank accounts of dimes 24/7.
01:04 PM on 02/23/2011
Mr. Borden,

I have come to the conclusion that when dealing with self described conservatives, that "logic" does not come into play. Just like they believe Reagan was about small government (he increased government spending by 700%) and low taxes (he raised taxes six out of the eight years he was in office) the IDEA of fiscal conservatism seems to be enough for these people, even if no Republican, or conservative administration ever actually subscribe to them.
07:24 PM on 02/23/2011
Point of fact (even though I know this will annoy you), Presidents don't make and pass budgets, thats what Congress does. Sorry but you can't pin this one on Reagan.
Hookedonfashion
You can't judge a book by its cover, or its name.
08:38 PM on 02/23/2011
Presidents have to sign the budget into law.
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Randolph Greer
I am a Poet .
12:34 PM on 02/23/2011
Because they are just plain stupid !
12:09 PM on 02/23/2011
Two things: (i) Democracy works, elections have consequences, and when people vote against their self-interest, they get exactly what they deserve; and (ii) many studies have shown that people's opinions are not formed or changed by "facts," and instead they are formed and changed by emotional components. So, explaining (over and over) to working-class Tea Partiers that they are planting the seeds of their own demise will not change their minds.
ThePeacemakers
Concerned Citizen
01:57 PM on 02/23/2011
I thought the studies showed there were groups that formed opinions or changed their minds based on facts/reasoning and others more swayed by emotional components.