Implementing a percentage-based savings system can significantly enhance financial stability over time. Here’s how it works:

Understanding the Percentage-Based Savings System

1. Income Allocation: Deposit 100% of all income—such as wages, gifts, or allowances—into a dedicated savings account.
2. Daily Disbursements: Set a specific percentage (e.g., 1%) to be transferred daily from the savings account to a spending account.

Example Scenario

• Initial Savings: £1,000
• Daily Disbursement Rate: 1%
• Daily Transfer Amount: £10 (1% of £1,000)

Each day, £10 moves to the spending account, leaving £990 in savings. The following day, 1% of £990 (£9.90) transfers, and so on. This method ensures controlled spending while maintaining a growing savings balance.

Long-Term Benefits; Saving money by percentages

Over time, as income continues to be deposited and only a small percentage is withdrawn daily, the savings account grows, leading to increased financial security and the potential for significant wealth accumulation.

• Childhood Savings (Age 0-18): £7,740 (from pocket money and gifts).
• First Weekly Wage (After Tax): £300 (based on a £375 weekly wage taxed at 20%).
• Total Savings at Age 18 (Childhood Savings + First Weekly Wage): £8,040.
• First Week’s Disbursement (1% of Total Savings): £80.40.

• Understanding the Savings System

  • 100% of all income—whether from wages, gifts, or allowances—goes directly into a savings account.
  • 1% of the total savings is disbursed weekly (or daily, if desired) to provide usable funds.
  • This ensures the majority of income remains in savings, creating stability and long-term financial security.

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  Updated Calculations

  Childhood Savings (Age 0-18)

  1. Pocket Money (From Age 9 to 18):
     • Weekly pocket money: £5
     • Duration: 9 years (52 weeks per year)
     • Total Pocket Money Savings: £5 × 52 × 9 = £2,340
  2. Gifts and Donations (From Birth to 18):
     • Estimated annual gifts: £300
     • Duration: 18 years
     • Total Gift Savings: £300 × 18 = £5,400
  3. Total Childhood Savings (Age 0-18):
     £2,340 (Pocket Money) + £5,400 (Gifts) = £7,740

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  Wages at Age 18

  1. Weekly Minimum Wage: £375
  2. Tax (20%): £375 × 20% = £75
  3. Net Weekly Income: £375 – £75 = £300
  4. First Week’s Total Savings:
     Childhood Savings (£7,740) + First Weekly Wage (£300) = £8,040

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  Weekly Disbursement at 1%

  1% of Total Savings (£8,040) = £80.40 (disbursed for the first week).

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  How the System Builds Stability

  • Savings Growth: With each weekly deposit (e.g., £300), the total savings grow, increasing the 1% disbursement over time.
  • Spending Control: By limiting withdrawals to 1%, individuals develop disciplined spending habits while building long-term wealth.
  • Compounding Stability: As savings grow, even small percentages generate sufficient funds for weekly or daily use.

  This system ensures financial security and gradual wealth accumulation, helping individuals avoid debt and remain stable over time.

• Here are the calculations:
  • Total Savings by Age 22 (After Apprenticeship): £70,140
  • Total Qualified Income Added to Savings (Age 22-50): £698,880
  • Total Savings by Age 50: £769,020
  • Weekly Disbursement at Age 50 (1% of Total Savings): £7,690.20

  This system demonstrates how consistently saving 100% of income, while only withdrawing 1%, builds substantial wealth over time. By age 50, this individual would have an impressive savings balance and a significant weekly disbursement to support their lifestyle. Let me know if you’d like additional adjustments or further details! ​

  Assumptions and Updates

  1. Quantum Crystal Engine Benefits:
     • No electricity or gas bills.
     • No fuel costs for transportation.
     • Rental cost for the vehicle: £50 per week (estimated average).
  2. Updated Weekly Expenditure:
     • Weekly disbursement is used solely for personal spending and vehicle rental.
     • Remaining funds continue to accumulate in the savings account.
  3. System Parameters:
     • Income: 100% deposited into savings.
     • Weekly disbursement: 1% of total savings.

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  Updated Calculations

  At Age 22 (Post-Apprenticeship)

  • Total Savings by Age 22: £70,140
  • Weekly Disbursement at Age 22: £701.40 (1% of £70,140)
  • Weekly Expenditure:
    • Vehicle Rental: £50
    • Remaining for Personal Use: £701.40 – £50 = £651.40

  From Age 22 to 50 (Qualified Professional)

  1. Weekly Qualified Income: £600
     • Annual Qualified Income (Post-Tax): £600 × 52 × 0.8 = £24,960
     • Total Income Over 28 Years (Age 22-50): £24,960 × 28 = £698,880
  2. Total Savings by Age 50:
     • Savings at Age 22: £70,140
     • Qualified Income Added to Savings: £698,880
     • Total Savings: £70,140 + £698,880 = £769,020
  3. Weekly Disbursement at Age 50 (1%):
     • 1% of £769,020 = £7,690.20
  4. Weekly Expenditure at Age 50:
     • Vehicle Rental: £50
     • Remaining for Personal Use: £7,690.20 – £50 = £7,640.20

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  Key Highlights

  1. Lifetime Benefits:
     • By saving 100% of income and disbursing only 1% weekly, substantial wealth is accumulated while maintaining consistent spending power.
     • The absence of utility bills and fuel costs maximizes disposable income.
  2. Savings Growth:
     • Starting with childhood savings and continuing with qualified earnings, the individual reaches nearly £770,000 in total savings by age 50.
  3. Financial Freedom:
     • Weekly disbursements grow significantly over time, providing financial stability and freedom without reliance on debt.

  Based on the calculations:

  • Global Debt: $323 trillion
  • Annual Savings from Participants: $59.4 trillion (assuming 50% of the global population participates and saves 99% of their income)
  • Time to Clear Global Debt: Approximately 5.44 years

  This assumes consistent participation, no new debt accumulation, and all savings directed toward debt repayment. Let me know if further refinements are needed! ​​

  Key Adjustments

  1. No Personal Debt Contributions: Individuals don’t pay off global debt directly; instead, it is addressed indirectly through:
     • Taxes: Governments use taxes to reduce public debt.
     • Savings Model: Avoiding loans and mortgages limits new debt accumulation, helping stabilize and eventually reduce debt levels.
  2. Government Debt Reduction via Taxes:
     • A portion of taxes collected annually is allocated to debt repayment.
     • Assume a 20% tax rate on average income globally and 50% of tax revenue used to service debt.
  3. Reduction in New Debt Accumulation:
     • By adopting the Dailyplanet.Club model, individuals avoid mortgages, personal loans, and unnecessary credit, significantly lowering debt growth.

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  Revised Calculation

  1. Global Population Participating: 50% of 8 billion = 4 billion people
  2. Average Annual Income per Person: $15,000
  3. Total Annual Tax Revenue:
     • 20% of $15,000 × 4 billion = $12 trillion
  4. Annual Debt Repayment via Taxes:
     • 50% of $12 trillion = $6 trillion
  5. Remaining Debt:
     • Annual reduction in debt = $6 trillion
     • Time to clear global debt = $323 trillion ÷ $6 trillion/year = 53.83 years

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  Impact of Eliminating Loan Accumulation

  1. Avoiding Loan Growth:
     • With no new loans (e.g., mortgages, personal credit), debt growth is curtailed.
     • Assume global debt growth slows from 3% annually to 0%.
  2. Faster Debt Reduction:
     • Combined with annual repayments via taxes, governments could pay down debt faster.
     • Estimation with zero new debt growth: Approx. 40-45 years for global debt to be eliminated.

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  Conclusion

  If the Dailyplanet.Club financial system is adopted globally:

  1. Global debt could be eliminated within 40-50 years, assuming:
     • 50% of global tax revenue is allocated to debt repayment.
     • No new debt is incurred through personal loans, mortgages, or unnecessary credit.
  2. Tax Revenue and Savings Behavior are key drivers in achieving financial stability.

   

  Call to Action

  To eliminate inflation in this model, the value of assets, like homes, remains constant over time. This ensures that the sale price of a home is always the same as its purchase price, allowing individuals to upgrade or expand their homes without the influence of inflated costs. Here’s how this works:

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  Key Principles of a No-Inflation Housing Model

  1. Fixed Asset Values:
     • The price of a house remains constant, e.g., a home bought for £50,000 is sold for £50,000, regardless of how long the individual has lived there.
     • The use of the house (its shelter and services) is considered the “value received” during ownership.
  2. Savings-Funded Purchases:
     • Individuals save a portion of their income (99%) in a cumulative savings account to fund future housing upgrades or expansions.
     • Wages provide the sole source of savings, avoiding debt or external loans.
  3. Building Upgrades:
     • If a family outgrows their home, they can either:
       • Sell the house and use their savings to buy a larger property.
       • Use savings to build an extension, adding functionality while maintaining the original price of the asset.

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  Example: Step-by-Step Housing Progression

  Initial Home Purchase at Age 25:

  • Savings Accumulated: £70,140 (from childhood and early wages, as calculated earlier).
  • First Home Purchase: £50,000.
  • Remaining Savings After Purchase: £70,140 – £50,000 = £20,140.

  Savings Growth Over Time:

  • Annual Income at Age 25-35: £600 weekly post-tax = £31,200 annually.
  • Total Savings Over 10 Years: £31,200 × 10 = £312,000.
  • Savings Used for Living Costs (1% Disbursement):
    • Weekly disbursement at 1% of £20,140 = £201.40 initially.
    • Disbursement grows as savings accumulate.

  At Age 35 (Home Upgrade):

  • Sell First Home: £50,000.
  • Total Savings at Age 35: Previous savings + 10 years’ income – disbursements.
    • Savings Growth Example: If 1% disbursement = £25,000 over 10 years:
      • £20,140 + £312,000 – £25,000 = £307,140.
  • Second Home Purchase: £80,000.
  • Remaining Savings After Purchase: £307,140 – £80,000 = £227,140.

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  Lifetime Savings and Upgrade; Saving money by percentages

  • By maintaining fixed house prices, inflation is abolished, and all value comes from savings and the intrinsic utility of the home.
  • Upgrades and expansions are made possible through cumulative savings, ensuring individuals can grow their assets without financial strain.

  Projected Total Savings by Age 50:

  • Savings from Wages: £600 weekly × 28 years (post-apprenticeship) = £873,600 (after tax).
  • Spending (1% Disbursements): £80,000 over 28 years (approximation).
  • Remaining Savings: £873,600 – £80,000 = £793,600 (after accounting for living costs).

  This ensures financial stability and fair housing without the distortion of inflation.

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  Key Benefits; Saving money by percentages

  1. No Inflation: Fixed prices for homes ensure affordability across generations.
  2. Debt-Free Living: No mortgages or loans; all purchases are funded through cumulative savings.
  3. Sustainable Upgrades: Individuals can expand their homes or upgrade to larger ones using savings alone.
  4. Financial Stability: Eliminating inflation ensures long-term purchasing power remains intact.

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  This system provides a practical and sustainable way to own and improve housing while abolishing inflation and fostering financial freedom.

  Here are the updated calculations:

  • Parent’s Total Savings at Death: £2,148,300 (based on 99% savings over their lifetime).
  • Child’s Total Savings at Age 50 (Including Parent’s Inheritance): £2,941,900.
  • Weekly Disbursement with Parent’s Inheritance (1% of Total Savings): £29,419.

  This system demonstrates the generational accumulation of wealth, where the savings of the parents are passed down to their children, significantly increasing financial stability and freedom for the next generation.

  Here are the calculations:

  • Global Annual Income: $120 trillion
  • Total Tax Collected by Governments Annually: $24 trillion

  This represents the amount of money governments collect from the population annually through taxation, assuming a 20% average tax rate on global income.

We invite you to support the development of this innovative banking system under the Dailyplanet.Club membership. By participating, you contribute to a financial model designed to alleviate poverty and counteract public deficits caused by traditional financial systems.

Join us in creating a future where financial freedom is accessible to all.

This is the overall view

Dailyplanet.Club: A New Financial Model for Global Empowerment

Welcome to Dailyplanet.Club, where we aim to revolutionize how individuals and families save, spend, and build wealth. Our innovative percentage-based savings system eliminates debt dependency, fights inflation, and creates generational financial stability.

Building Wealth Through Percentage-Based Savings

Our savings system is simple yet transformative:

1. 100% Income Allocation:
   • All your income, whether from wages, gifts, or other sources, goes directly into a secure savings account.
2. Controlled Disbursements:
   • You withdraw only 1% of your savings balance weekly or daily, ensuring long-term savings growth while supporting daily expenses.
3. Cumulative Growth:
   • Every new deposit adds to your savings pool, increasing the amount you receive through controlled disbursements.

Living Without Inflation

Inflation undermines wealth, but with Dailyplanet.Club:

• Fixed Asset Values: House prices and other key assets remain constant.
• Savings-Funded Purchases: Instead of loans or credit, savings are used to buy homes or make upgrades.
• Debt-Free Living: Eliminate reliance on interest-based mortgages or loans.

Example Progression Without Inflation:

• Buy a small house for £50,000 at age 25.
• Save consistently while withdrawing 1% weekly.
• Upgrade to a larger home at 35 by combining accumulated savings with the sale of the first house, still priced at £50,000.

Generational Wealth Accumulation: Saving money by percentages

This model allows savings to grow over a lifetime and benefits families by passing accumulated wealth to the next generation.

Example: Parents Passing Savings to Children:

• Parents save 99% of their income throughout their lives.
• At age 80, parents pass £2,148,300 to their children, who add it to their existing savings.
• Combined with their own savings, the next generation has nearly £3 million by age 50, providing weekly disbursements of over £29,000.

Countering Public Debt

• Governments collect $24 trillion annually in taxes globally, while public debt grows unchecked.
• By adopting our model:
  • People avoid mortgages and personal loans.
  • Governments use taxes more effectively to reduce public debt.

With widespread adoption, global debt could be eliminated within 40-50 years, paving the way for a debt-free world.

Your Role in Transforming the Future: by Saving money by percentages

By joining Dailyplanet.Club, you:

• Support the development of a banking system designed for people, not profits.
• Contribute to creating inflation-free wealth-building methods.
• Help reduce global debt and promote financial stability for all.

Join Us Today: Saving money by percentages

Be part of the movement to create a fairer, more sustainable financial future. Together, we can build a world free from debt, inflation, and corruption. Dailyplanet.Club: For the People, By the People, For Nature and Humanity.

Let’s transform the future, starting now.