iPhone app iPad app Android phone app Android tablet app More

Featuring fresh takes and real-time analysis from HuffPost's signature lineup of contributors
Leon Friedman

Leon Friedman

GET UPDATES FROM Leon Friedman
 

Fixing the Deficit by Getting Help From the Top 1%

Posted: 04/18/11 02:46 PM ET

President Obama seeks to reduce the deficit and the national debt by cutting defense costs, lowering spending on Medicaid and Medicare, reducing itemized tax deductions for the rich and eliminating the Bush tax cuts for families earning over $250,000 a year. The Republicans have already defeated him on the last issue during last year's lame duck session when they insisted on keeping the reduced income tax rates for the next two years in exchange for continued unemployment benefits and reducing payroll taxes for middle class workers. The Republicans in control of the House argue that repealing the Bush tax cuts would have an adverse impact on small businesses which are often single proprietorships subject to individual income tax rates. If their taxes were increased, they would not hire or rehire workers in this time of grave unemployment.

The latest Congressional compromise on the federal budget reduces funds for police and fire agencies and cuts $600 million from community health care centers. Is there another way to reduce the deficit, rather than depriving the lower and middle classes of necessary government benefits, such as Medicaid and Medicare or educational grants?

Some recent reports show that those at the top of the income and wealth ladder have done extremely well in the last decades. Hardly a day goes by without some economist discussing and analyzing the huge disparity in wealth between the rich and the rest of society. Joseph Stiglist, the Nobel Prize winning economist, has written an article in the latest Vanity Fair entitled "Of the 1%, By the 1%, For the 1%." The article discusses the enormous and growing inequality in wealth in this country, which has largely been the result of the Reagan tax cuts of the 1980's and the Bush tax cuts of 2001. Stiglitz points out that in the last 25 years, the top 1% have doubled their percentage of yearly income. In the period from 1976 to 2007, while national income has increased by about 60%, the income of the top 1% has increased by 275%. As of 2008, the top 1% received over 20% of the total income earned by all Americans.

When one examines wealth, instead of income, the top 1% do even better. In 1970, the top 1% owned 20% of the nation's wealth. In 2007, they owned 34.6% of the total wealth, according to a study (the Survey of Consumer Finances) prepared by the Federal Reserve Board. A leading scholar on wealth inequality, Professor Edward Wolff of Bard College, has argued that a truer measure of the wealth of the top 1% is their ownership of easily disposable assets, that is, the net worth of a household, minus the equity in owner-occupied housing. If one eliminates the value of a family's owner occupied home (the basic source of wealth for the bottom 50% of the country), the percentage of non-home wealth owned by the top 1% -- stocks, bonds, other real estate, businesses -- increases to about 42.7%. The top 1% own over 60% of financial securities and 62.5% of business equity.

What does this amount to in real dollars? As of December 21, 2010, the total net worth of all Americans was $56.8 trillion. Assuming that the 34.6% figure of the Federal Reserve Board is still valid, that means that the top 1% owned 34.6% of the $56.8 trillion total wealth or $19.65 trillion.

Could that figure be the basis for reducing the federal deficit or our national debt? Suppose we added to Stiglitz' title, "Of the 1%, By the 1%, For the 1%", the idea of "From the 1%."

Instead on increasing income taxes, which might arguably affect single proprietorships and small businesses, we could impose a tax based on wealth. We do consider the total wealth of an individual in determining the estate tax when a person dies. And local government units assess an annual tax based on the value of a person's real property. Many European countries also have a wealth tax -- that is, a tax on the total wealth (net worth) of each individual household, which must be paid annually.

Our federal government could impose such a tax on an emergency basis, to be applied only during the immediate financial crisis, say for the next five years or even ten years.

Suppose such a system were imposed here, a tax of 1% of the net worth of the top 1%, until our financial health improves. Who would be affected? The top 1 percent consists of about 3 million households, each with a net worth over $8 million. If the total net worth of this group was $19.65 trillion, we would raise $196.5 billion each year, six times the amount of the budget cuts that Congress has just agreed to. Over a five year period, it would amount to $982.5 billion in additional revenue, and over ten years it would amount to $1.965 trillion, about half of what President Obama was seeking in his recent speech.

The rich could certainly afford such a modest imposition on their wealth. As the president noted, the richest among us can afford to pay a little more. And taking from the rich is surely more palatable to the nation as a whole instead of cutting Medicaid or Social Security, funds for education and scientific research in clean energy.

There is one potential problem: Article 1, Section 9 of the Constitution states: "No Capitation, or other direct Tax, shall be laid unless in Proportion to the Census or Enumeration herein before directed to be taken." That is, no direct tax on individuals can be made by the federal government unless it is levied in proportion to the total population of each state. (We had to amend the Constitution in 1913 to permit Congress to pass an income tax law). If there was a national real estate property tax, for example, one would have to measure the total value of all land in one state, and then divide that number by the total number of inhabitants of a state to arrive at the tax bill for each land owner, rather than have a larger land owner pay the tax based on the value of his or her holdings.

Constitutional scholars such as Bruce Ackerman at Yale and Roy Ulrich at Berkeley have uncovered the origin of the provision and argue that it would not bar the kind of wealth tax described. The provision was inserted to benefit the Southern states who were concerned about a direct tax on the value of their property. The population of each Southern state was increased by the number of slaves who were counted as 3/5ths of the white population. The slaves owned no land, but their sheer numbers would decrease the proportional share that their white owners would have to pay if a direct tax were imposed.

In the face of the nation's stark financial problems, our richest Americans can afford this modest diminution of their wealth. And they certainly would have no right to complain, since it was previous government actions that enabled them to accumulate it.

Leon Friedman is a professor of constitutional law at Hofstra Law School.


 
 
 
  • Comments
  • 991
  • Pending Comments
  • 0
  • View FAQ
Comments are closed for this entry
View All
Favorites
Highlights
Recency  | 
Popularity
Page: 1 2 3 4 5  Next ›  Last »  (12 total)
02:30 AM on 04/20/2011
They robbed us of everything and profitted from wars, massmurder, and throwing people out of their homes.

A moderate diminishing of what they took through crimes doesn't cut it. As long as we do not punish criminals by sending them to jail AND taking everything they took from them there will never be peace in the war on the people THEY STARTED.
02:04 AM on 04/20/2011
How much is enough? When do the comfortable ... the rich, the wealthy, the uber-wealthy ... when do they have enough? Why doesn't anyone ask the question why the rich are allowed to have so much more than they need? Why aren't we asking why others are allowed to go with needs unmet? Healthcare, housing, gainful employment, good schools ... why are some people allowed to go without? After your basic needs are met, how can you possibly quibble about helping others when their needs are not? When is enough, enough? HOW MUCH DO WE REALLY NEED??
04:35 PM on 04/23/2011
Why don't you just worry about making your own money instead of looking at others who have earned theirs?
10:41 PM on 04/19/2011
How about the rich just paying the same rates that us working poor do. No low special rates for capital gains, invesments, dividends, interests, hedge funds, gifts and inheritence. It is all income. They could also pay Social Security Tax on all their income, like I do. Then we could also stop the special tax deductions that only they can use, like for their limousines, jets, boats, business parties. Or we could storm the castle gates and demand bread to feed our families.
08:11 PM on 04/19/2011
What ever happened to the good old days when the tax rate on the super-rich was 90%? Oh yeah, greedy conservatives decided they weren't wealthy enough and so began the plutocracy that now rules America.
04:33 PM on 04/23/2011
They realized no one would work.
07:46 PM on 04/19/2011
If anyone dreams that the rich will part with just a little of their wealth, KEEP DREAMING. It's the updated 'American Dream' of the 21st Century.
08:42 PM on 04/19/2011
Well, they volunteered to do exactly that in Germany recently...I guess the rich in Germany have a bigger social conscience than their American counterparts...
outnow
Ban the bomb
05:36 PM on 04/19/2011
"The population of each Southern state was increased by the number of slaves who were counted as 3/5ths of the white population. The slaves owned no land..."

Regarding the private property system, one of four humans are involved in guarding private property. That leaves only three to do other constructive work. So that system is wasteful and inequitable. But it was OK to own human beings and even give their states a 3/5ths bonus in terms of voting. Nice! They also had to hire guards to guard the slaves. Then they had to fight the Civil War. Then there was reconstruction. That form of private property was their downfall.

To me, the private property system is used to enslave us all. We are not wage slaves but debt slaves. I would not hesitate to order an immediate assessment on the very wealthy to feed the poor. After all, what's more important?
This user has chosen to opt out of the Badges program
05:04 PM on 04/19/2011
"If there was a national real estate property tax, for example, one would have to measure the total value of all land in one state, and then divide that number by the total number of inhabitants of a state to arrive at the tax bill for each land owner, rather than have a larger land owner pay the tax based on the value of his or her holdings."

This is not what the Constitution requires. Suppose we want to raise $1 trillion through a Federal direct tax. The Constitution requires that the $1 trillion be allocated to the states in proportion to their population. California would be assigned $120,897,951.50 while Wyoming's share would be $1,829,100.48. The Constitution is silent on the question of how that burden would be allocated to and collected from the residents of each state. It most likely would have to be based on the value of property owned, since that is the legal definition of a direct tax. As long as each states share is proportional to the state's population in the latest census the law would be constitutional. Only indirect taxes ("duties, imposts and excises") must "be uniform throughout the United States".
bcunnin679
Political Correctness, the enemy of free speech
04:52 PM on 04/19/2011
According to the National Taxpayers Union for Tax Year 2008 the top 25% of income taxes payers, which are those whose AGI is 67,280 or above, pay 86.39% of all income taxes
05:01 PM on 04/19/2011
Tell me, what does that oft repeated (though with slight variations) factoid have to do with improving our national economy?
bcunnin679
Political Correctness, the enemy of free speech
05:11 PM on 04/19/2011
People, like yourself, often complain that the rich are not paying their fair share and thereby helping the economy. Looks like to me the poor are not carrying their part of the load.
This user has chosen to opt out of the Badges program
photo
Trepasky
Sanity is neither free nor easy
06:16 PM on 04/19/2011
Yes but what was their income before deductions and what was their effective rate.
Using the AGI is a fuzzy number because many of the wealthy end up with an AGI below the $67,000 mark.
Roughly 5,000,000 people who paid $0 in taxes last year had more than $50,000 in pre AGI income, some had millions.

Nice talking point however, it gets used a lot but it really lacks in telling the real story.

Publish their actual income and then their effective rate. You might be disappointed if you had to pay more than 20% FED taxes.
bcunnin679
Political Correctness, the enemy of free speech
06:30 PM on 04/19/2011
Yes the AGI does tell the whole story. You have to be smart enough to use the system
04:00 PM on 04/19/2011
If we can't get through a nominal tax rate, how are we going to pass a never before attempted new tax?
03:42 PM on 04/19/2011
Why in the world would anyone want to give any additional taxes to the corrupt, wasteful politicians we have in Washington? Look at what they do with the current taxes. They have not proven themselves to be responsible. New taxes will not reduce the debt/deficit. It will go into the money pit where it always goes. Make them prove themselves as responsible before giving them any additional funds. The foxes are in the hen house!
This user has chosen to opt out of the Badges program
03:38 PM on 04/19/2011
"We had to amend the Constitution in 1913 to permit Congress to pass an income tax law.'

Sort of. The amendment overturned the Supreme Courts decision in Pollock v. Farmers' Loan & Trust Company, 157 U.S. 429 (1895) which found that a tax on income derived from real or personal property was a direct tax that must be proportional to population. It permitted income taxes on other income like wages, fees, royalties, and business profits.

Just a few year after the Constitution was amended, the Supreme Court ruled unanimously in the cases Brushaber v. Union Pacific Railroad, 240 U.S. 1 (1916) and Stanton v. Baltic Mining Co., 240 U.S. 103 (1916) that Pollack was wrongly decided and the 16th Amendment was only necessary to correct the court's mistake. This was stated most clearly in Stanton by Chief Justice White who wrote "the provisions of the 16th Amendment conferred no new power of taxation, but simply prohibited the previous complete and plenary power of income taxation possessed by Congress from the beginning from being taken out of the category of indirect taxation to which it inherently belonged, and being placed in the category of direct taxation subject to apportionment by a consideration of the sources from which the income was derived,-that is, by testing the tax not by what it was, a tax on income, but by a mistaken theory deduced from the origin or source of the income taxed."
01:54 PM on 04/19/2011
It would have been nice if the professor could have addressed the issue that keeps coming up from the conservatives that raising taxes on the wealthy causes them not to expand their businesses and hire new employees (everyone remember the "trickle down" theory). I don't know how many times this old bromide has been disproven, and yet it continues to be their main argument against increasing taxes on the wealthy. Can't we find a way to just put this argument to rest for once and for all?
photo
HUFFPOST SUPER USER
ZaneDavid
Retired Sailors Have More Fun.
02:01 PM on 04/19/2011
yup.....flat tax-- everybody pays.
photo
HUFFPOST SUPER USER
Endotoxin
Blast Corps
04:11 PM on 04/19/2011
Please don't talk about "Flat tax" I understand your intention but the actual bill (which barely reaches the Senate, EVER) is full of pork that ends up in the complete opposite result of what most people want out of the idea.
photo
Diskatopia
Zarathustra Sings the Blues
04:31 PM on 04/19/2011
And the burden shifts EVEN MORE off of the rich and onto the middle classes...

Flat tax proponents always seem to forget that the middle classes pay a much higher percentage of their income in SS, Medicare, gas, utility, phone, user fee, sales, property, and myriad other taxes.

The wealthy are skating currently, paying a pittance.... it is time for them to pay their fair share again, as in the times pre-Reagan.
02:59 PM on 04/19/2011
The theory has not been disproven. Neither has it been proven. It is a theory, and it is impossible to control all the outside factors aside from ONLY the raising or lowering taxes.
HUFFPOST SUPER USER
DJleary
01:49 PM on 04/19/2011
A uniquely American condition- a declining nation of middle class citizens capable of consistently voting against it's own best interests in favor of the obscenely rich.

Greatest country on earth!!
photo
HUFFPOST SUPER USER
ZaneDavid
Retired Sailors Have More Fun.
02:02 PM on 04/19/2011
Please define "obscenely rich".
bcunnin679
Political Correctness, the enemy of free speech
03:51 PM on 04/19/2011
Anyone who makes $10.00 more than he does
photo
johngary66
Accused of heresy and decided to go with that.
05:19 PM on 04/19/2011
Well Zane, lets use the example of when United Health Group in 2006 issued it's then CEO Dr. William McGuire BACKDATED stock options which the Wall Street Journal estimated were then valued at $1.7 BILLION. Now the even the Bush SEC couldn't turn it's back on that big a rip off, so he was forced to pay back $600 Million and he did lose his job. Lets not feel so to sorry for the Doctor, his salary over the previous five years was estimated to average $125 million per year. The question is, how many people who faithfully paid their premiums for years had to be denied their claims for the company to make the kind of profits needed to pay their executive such OBSCENE salaries? How many people died because of denied coverage? What's really obscene is that we have absolutely no need for these blood sucking middle men in our health care system. Medicare has for years operated on administrative costs of 2%. Why do we allow our politicians to continue to take money from these companies to continue their scam? That's what's most obscene. Does that answer your question Zane?
03:00 PM on 04/19/2011
Actually the "decline" so often cited simply is not true. The rate of improvement has been pretty dismal, but that is not a decline.
01:48 PM on 04/19/2011
Will the 50% of Americans who pay zero federal income taxes start paying their fair share?
photo
HUFFPOST SUPER USER
ZaneDavid
Retired Sailors Have More Fun.
02:03 PM on 04/19/2011
only kicking and screaming.
02:48 PM on 04/19/2011
And what about all of the "undocumented" who are a drain
01:18 PM on 04/19/2011
Is this guy really a professor? if so he needs to take some remedial high school math.

Much, or even most, of that $56.8 Trillion is not owned by individuals. It is corporations - Including some $3.5 trillion just in 401k's and IRA's. Another huge portion is in individually owned real estate - basically homes and small farms.

He then goes on to suggest that the Constitution might be a problem, and suggest ways to subvert it...
photo
HUFFPOST SUPER USER
ZaneDavid
Retired Sailors Have More Fun.
01:52 PM on 04/19/2011
Perhaps if we stopped giving our country's money away we might, just might not have this problem.
Such as 2 billion dollars to Brazil so that they can drill off shore and the 3 billion dollars we just gave Columbia to modernize an oil refinery. Thats a quick 5 Billion we could use here. Before someone says "Thats just Peanuts", remember a farmer doesn't grow just one peanut, he grows thousands. So add up all those "peanuts" and pretty soon you might save 100s of billions of dollars. So I say to you, "Think Peanuts"....
03:03 PM on 04/19/2011
We don't want the evil oil drillers and refiners here, but we are more than willing to export the problems with those activities, along with our money, to other countries.

In short, we are paying Brazil and Columbia to take those evil industries off of our shores.
This user has chosen to opt out of the Badges program
05:04 PM on 04/19/2011
The $56.8 trillion number is the "Net Worth" of only "Households and Non-profit Organizations". Back in 2007 is was $64.2 trillion. You can find it here:
http://www.federalreserve.gov/RELEASES/z1/Current/z1r-5.pdf