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Jared Bernstein

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A New, Simple, Smart Plan for the Fiscal Cliff

Posted: 07/23/2012 8:45 am

Of the various things that keep me up at night, two big ones are, in order, a) the economy has never fully escaped the grip of the Great Recession, and b) we're collecting unsustainably low amounts of revenue.

Well, in a simple burst of insight, economist Bill Gale solves both with this sentence from a recent op-ed. As opposed to squabbling about which part of the tax cuts should sunset, Gale suggests that:

... [a] better way to stimulate the economy and move the broader debate forward would be to let all of the Bush tax cuts expire as scheduled and be considered as part of a broader tax reform and medium-term deficit reduction effort, and institute instead an explicitly temporary cut, again a payroll tax cut comes to mind.

If this doesn't exactly light up that little light bulb atop your head then allow me to elaborate.

The fiscal cliff, as wonks like Ezra Klein have been pointing out for about a year, is unique in that if we do nothing, the tax increases and spending cuts steer us onto a sustainable budget path, one that absent that revenue (that's the main part of this) would be explosive.

That allows me to go to sleep re: worry 'b' except for I'm still tossing and turning re worry 'a.' But here, the solution, as Gale points out couldn't be simpler. Take a small chunk of that new revenue that's in the new baseline and spend it on temporary stimulus. He likes a payroll tax cut, and I'm cool with that (general revenue would replenish the Social Security trust fund, just as under the payroll tax holiday). I'd add state fiscal relief and FAST!

But wait, you say! What about the damage of going over the cliff? What about the big tax hikes on the middle class, the mindless cuts of the sequester?

All good points, but none are dispositive. First, as CBPP has consistently stressed, a quick trip down the fiscal slope quickly reversed by a smart plan, would be far better for the economy and markets than another reckless can kick. The economy can finally get the boost it needs next year by a strong dose of stimulus, and the markets will finally see some fiscal rectitude locked into place.

The tax increases to the middle class can and should be offset by temporary measures like a payroll cut which fade once the economy is back on track. In fact, since middle class families pay much more in payroll than in income taxes, this is actually a better economic deal for them. Recent CBO data reveal that in 2009: a) among households that pay both income and payroll taxes, you have to get to the 90th percentile until they pay more income tax than payroll tax, and b) middle income families spent 1% of their income on federal income taxes and 8% on payroll taxes.

Moreover, once we have new revenue flowing in, we can reshape the spending cuts to meet our priorities, including defense, while still sticking to the agreed-upon budget caps.

What's so fundamentally appealing about this simple plan is that it basically says, "those Bush tax cuts -- you know, the ones that started over ten years ago and that we've been fighting about ever since... well, they didn't work. So let's finally let them go and start over."

If, post-sunset, we want to talk tax reform, as Gale suggests above, that's fine too. As EPI budget analyst Ethan Pollack pointed out to me the other day (and as CBPP has stressed in tax reform trap discussions) the only time for democrats to safely engage in tax reform discussions is when ample revenue flows are already locked into place, as they would be under Gale's plan. Otherwise, lower-the-rates-broaden-the-base risks being reduced to just lower-the-rates.

Finally, it's really quite shocking how nobody in the policy world is considering ways to deal with an economy that's now probably growing even slower than we thought. A research note from Goldman Sachs last week noted that they think the current economy "is growing at little more than a 1% pace." That means unemployment doesn't just sit there, stuck at an already elevated level north of 8%. It could start going up again.

But what about the politics? OK, checkmate. I really don't know if this plan could work politically because it means that taxes go up on households below $250K and both parties are aligned against that. As noted, for most families those increases could for now be more than offset by a big temporary payroll tax cut, but this feature could queer the deal.

The other political hurdle is of course more stimulus, which also seems to have been pushed from the policy stage by austerity fever.

So... um... given that those two parts -- full sunset and temporary stimulus -- comprise the whole plan, this may not turn out to be the way forward and I'll continue to toss and turn, while the economy bumbles along and the sustainable fiscal path continues to elude us.

But the features of this simple idea are too good to pass up: finally end the destructive Bush tax cuts, not to mention the arbitrary $250K threshold, lock in enough revenue to negotiate any reform from a place of power, and finally blast the damn economy into escape velocity.

What do you think, Democrats and responsible Republicans? Worth a try?

This post originally appeared at Jared Bernstein's On The Economy blog.

 

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David Dem
End the War
08:41 AM on 07/24/2012
Watching the Republicans come clean and join the table for the first time in three and a half years, along with Democrats having to do essentially nothing but let the cuts expire? Best ticket in town!
06:19 AM on 07/24/2012
I think that the Bush tax cuts should EXPIRE ON ALL OF US. Rs want lots of defense spending & Ds want social programs funded. And we all want less debt. Another thing I never hear about is the FACT THAT SOCIAL SECURITY STOPS BEING TAXED AFTER $111,000. If we removed the cap then social security woes would be curbed. I
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Kai-HK
Don't Share My Wealth! Share My Work Ethic!
09:18 PM on 07/23/2012
The real solution is simply a balanced budget amendment that requires a medium-to-long-term return to a balanced budget, combined with a principle of $4 of cuts for every $1 to tax increases. This will allow short-term deficits but will require a long term fiscal sanity. It will increase confidence in the market while not requiring a quick move to cut immediately.
05:55 PM on 07/23/2012
There seems to be plenty of money for bank giveaways and overseas aide.
Low wages mean 3rd world ghetto conditions in the usa.
We should be allowed food stands and such bypassing corporations who are the biggest tax and welfare reciepiants.
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abhorson
in favor of legalized bar fighting
04:24 PM on 07/23/2012
"an economy that's growing slower [sic. "more slowly"] than we thought...

"slower" is now code-speak for "cliff diving"? Like "stimulus plan" really stands for digging subterranean tunnels?

Cut taxes and reform code, introduce vat at fed level to replace corp taxes, raise retirement age to 68, means test all benefits like medicare, renegotiate trade deals with china, tax breaks for hiring unemployed, eliminate min wage for sub 21, etc etc...
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mynamesyow
Scientist, Gonzo, Champion of the Poor
07:43 PM on 07/23/2012
so drown em in the details instead of prioritizing a top 3 and move efficiently to implement??
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abhorson
in favor of legalized bar fighting
01:26 AM on 07/24/2012
economy, budget and competitive standing in the world requires more than three things although anything would be a start 
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BOBinPS
Really?
08:53 PM on 07/23/2012
Medicare is already means tested...sort of. If your income is greater than $85k, you pay more. The more you make the more you pay. If you work, the more you make the more you contribute. If Medicare is denied to contributors, regardless of income, it is welfare. We know how Americans feel about welfare. Nothing will kill it faster - except when Drs stop taking Medicare and Medicaid patients because of declining reimbursement rates.
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abhorson
in favor of legalized bar fighting
01:25 AM on 07/24/2012
means test it starting at poverty level, define a basic service package and everything else is subscriber fee for service 
03:40 PM on 07/23/2012
It's what Obama should have done in Dec. 2010. Had he done that then there would NOT have been a budget crisis and there would already be funds for additional stimulus. For all the crooning over Obama's political prowess, the Republicans played him like a harp on that one. If Obama didn't have the chutzpah then, there's no hope if it happening now...
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Abvincent1
GOP = Government Oppressing People
02:59 PM on 07/23/2012
Simple, access to funds needs to go farther then the wealthy. Either the fed can print endless dollars and hope it reaches those who need it, or the wealthy can be forced through tax law to release their monies back in to society so those who need them have options at accessing them. It's quite basic, does a dollar in a brokerage account (or tax shelter) do more to spur an economy then the same dollar would do in circulation? A dollar in circulation will do far more to grow an economy because it will be accessible to those who need it. However, with current tax law more monies are being sent to brokerage accounts where it does virtually nothing for growth. Inflating assets does spur growth. The fed is printing not by choice, but by requirement. Yet, even with the printing accessibility to those who need it is still virtually impossible. Why? Because when the fed saturates the economy it goes to the wealthy who simply put it in tax free safe havens and/or brokerage accounts...again continuing the limited accessibility to those who need it. The tax law simply must force these monies in to circulation. If not and the fed stops printing, well yes indeed a fiscal cliff will loom. Right wing purchased congress-wo/men must do what is morally just and stop catering to the greed and financially enshrined few should it ever hope to make this nation equally empowering for all.
09:53 PM on 07/23/2012
They have a different idea of moral justice than you have. It ain't gonna happen...
10:26 PM on 07/23/2012
You are totaly out of your mind. Talk about quick path to civil war.
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02:58 PM on 07/23/2012
I never understood how $250K per year is considered middle class. It's arbitrary and unrealistic. Now, Democrats like Nancy Pelosi are trying to worsen this illusion by proposing that $1,000,000 per year now constitutes the "middle class" in the context of extending the Bush tax cuts. What planet do these politicians live on? A family of four that brings in $250,000 per year is wealthy in the real world.

We need in influx of progressives into Congress, ones that have "lived" in the real world recently, ones who have actually struggled for survival in present day America, and ones who have not been bought off by corporate America.

We need a country where corporations are not considered persons. Conservatives like an originalist interpretation of the Constitution, but where in the constitution does it state that corporations are people? Of course, the opposite is true: in the 18th century and 19th century corporations were creations of the individual states and were created for specific purposes such as building a bridge. Once the project was completed the corporation ceased to exist. Most states required corporate bylaws to state that corporations existed for the public interest first, and shareholders second.
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TommoB
Restore sanity! Add Haldol to fracking fluid...
04:03 PM on 07/23/2012
A family of four grossing $250K is certainly well-off, although I'm sure many of them would tell you it's a struggle living the good life! But wealthy is 3-5 orders of magnitude above this level these days. I don't think most people can even imagine wealth at this level, or believe the power that this kind of wealth provides. We need to bring these fortunes back to earth.
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04:42 PM on 07/23/2012
Ask a person who makes an average income (median) if he or she considers earning $250K per year to be "wealthy" and I'd bet the answer would be "yes."
PBYD
Canadian and passionate admirer of the USA
07:03 PM on 07/23/2012
Well stated ,I agree! There is something very wrong when politicians who make decision based on the monied voters only ,regardless of how fickle they tend to be. Whatever happened to principles, and the will of the majority Who's interests are we serving?
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Shaun Hensley
The American Experiment has failed
02:55 PM on 07/23/2012
I wouldn't characterize a payroll tax, which does nothing to help the unemployed contribute to the economy and undermines Social Security as "smart".

Pass.
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mynamesyow
Scientist, Gonzo, Champion of the Poor
07:47 PM on 07/23/2012
he is SPECIFYING it en lieu of the Income Tax from the Bush Tax Cuts...not by themselves, so overall revenue is still generated. did you read the same article as me?
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Shaun Hensley
The American Experiment has failed
12:56 AM on 07/24/2012
That revenue is already spoken for. 
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SteveM39
That's how dad did it, that's how America does it
02:54 PM on 07/23/2012
Jared has another wonderful suggestion for a country where those with power don't want solutions.

Until Americans understand that Big Business and the wealthy who own them have bought the political parties, the politicians and most of the votes; solutions aren't worth the time it takes to hear them.

Business has decided that they are too important to let their enemies, government & labor, make any decisions. The politicians are either part of the business conspiracy: Romney; bought by the business conspiracy; all Republicans in Washington, or hoodwinked by the business conspiracy; most Democrats and half of Americans.

Discussing tax policy is fun but there is only one policy that matters in Washington; support the wealthy at any cost.
02:51 PM on 07/23/2012
Still waiting for "Responsible" Democrats to show up at the table!!
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Lesley Anne
03:58 PM on 07/23/2012
The phrase was Democrats and "responsible Republicans." No wonder you're still waiting.
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mynamesyow
Scientist, Gonzo, Champion of the Poor
07:48 PM on 07/23/2012
You might be but the House is too busy Grandstanding on Obamacare Repeal to even be taking calls from the Dems.
02:49 PM on 07/23/2012
If he thinks raising taxes will stimulate the economy he is in for a rude awakening.
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Brian Gilmer
Good citizens make good citizens.
03:57 PM on 07/23/2012
What is the difference to the economy if taxes are raise in order to reduce or eliminate government borrowing or if government spending is reduced to eliminate government borrowing? The Ryan budget plan for example wants to reduce government spending to 19% of GDP from about 25% of GDP. That means that economic activity for about 6% of GDP will go away.
09:59 PM on 07/23/2012
Raise taxes on the wealthy by 6% and the economy loses nothing.
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mynamesyow
Scientist, Gonzo, Champion of the Poor
07:49 PM on 07/23/2012
And what was that FINAL DATA on what those 'Tax Cuts' did again?
06:06 AM on 07/24/2012
Tax cuts were not the problem - Rampant spending on two wars, etc were
02:47 PM on 07/23/2012
May I humbly suggest that with the likes of McConnell, Boehner, Cantor doing the obstruction thing, the well-being of the United States is not a current legislative priority. Given this, your plan, whether useful or not, is moot. Better to let the whole thing go "over the cliff" (and I suggest that this rather dramatic "cliff" image is not really a possibility given we simply go back to where we were in the early 2000's), automatically removing the TEMPORARY (ring a bell?) Bush tax cut and cutting spending across the board without regard to department. Let those political chips fall where they may, and again I suggest the villains above will be shortly FIRED for their outright misguided notions of the legislative process. Bernanke will then be encouraged that some hope for action from the legislative branch may be in the offing and certain positive signals will enhance economic outlooks. But....to the above named legislators....using a public office to hold the nation as an economic hostage just because your party lost the last election has GOT to be punished, and the GOP is long overdue for quite a spanking for the childish entity it has become.
02:45 PM on 07/23/2012
Where is Obama?

No leadership!!!!
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mynamesyow
Scientist, Gonzo, Champion of the Poor
07:49 PM on 07/23/2012
You've obviously never heard of a Filibuster...
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jmpurser
See My micro-bio
02:44 PM on 07/23/2012
So...do what we did (next to nothing) and hope for a different outcome.

Brilliant!

How about instead we FINALLY give up on the magical tax cut stimulus and go for a WPA style work program to get Americans back to work?  You know, do what we know actually works and haven't done yet?
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Lesley Anne
04:06 PM on 07/23/2012
The world economy is not the same as it was in the 30s. A WPA style program would be very difficult to implement now. Corporations can easily relocate and ship jobs overseas and Repubs in congress have just vetoed a bill that would have ended their taxpayer subsidies for doing so. We didn't have that scenario during FDR's time. Now the corporations are moving toward hiring what they call independent contractors so they don't have to pay benefits and they are paying less than what they were just a few years ago, all because they can. Increase the bottom line for corporations and down with labor rights is the new "in" thing in this country. Until we find a way to adjust that, there won't be any massive hiring of Americans who get paid decent wages and benefits to support their families.
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jmpurser
See My micro-bio
05:55 PM on 07/23/2012
The "world economy" may be different but jobs aren't.  A WPA would be simple to imlement.

And this has nothing to do with corporations shipping jobs overseas.

And our "labor rights" and tax rate are LOWER than the European counties we're loosing jobs to.  But again, that has nothing to do with a WPA.