American Worker & Family Prosperity Act
A complete plan to help working families succeed. Training money when you need new skills. Lower taxes on investments. Protection for your retirement savings. Childcare help for parents. Real support for real Americans — without adding to the national debt.
🏛️ Four Pillars of Support
A complete approach to helping workers and families thrive
Worker Transition Support
Bridge income while you retrain. Up to $12,000 for new skills. Apprenticeships and digital training programs.
Market Stability
Lower capital gains taxes for 10 years. Market stability fund to prevent crashes. Protect your investments.
Retirement Protection
Your 401(k) and IRA protected. Social Security lockbox guarantee. Volatility insurance for near-retirees.
Family Support
Childcare tax credits up to $4,000. Paternity leave support. Programs for young fathers.
📚 Worker Training & Transition Support
Help when your job changes — income support and free training
Bridge Income Support
Get paid while you train for a new job. Up to 50% of your old wage, max $700/week for up to 39 weeks.
FutureSkill Training Account
Up to $12,000 over 5 years for approved training programs. Learn new skills on your schedule.
Apprenticeship Expansion
Community college partnerships. Employer grants. Get paid while you learn a trade.
Digital Skills Programs
Digital bootcamps and rural tech hubs. Learn coding, AI, and tech skills for modern jobs.
💰 Tax Incentives & Reductions
Lower taxes for investors and credits for employers who invest in workers
Capital Gains Tax Cut
For 10 years, capital gains taxes are cut in HALF. The 15% rate drops to 7.5%. The 20% rate drops to 10%. More money stays in your pocket when you sell investments.
Worker Prosperity Tax Credit
Employers who share profits with workers get a 10% tax credit on those payments — up to $1,000 per worker per year.
Childcare Tax Credits
Employers get up to $4,000 credit per child for onsite childcare. $3,000 for nearby childcare. $2,000 for childcare within 5 miles.
Paternity Leave Credit
Employers get a 25% tax credit for paid paternity leave — up to 4 weeks. Small business grants available too.
👷 Who This Helps
Every American worker and family — from teachers to truck drivers
🔧 Workers Facing Job Changes
If automation or tech changes your industry, get bridge income up to $700/week while you train. Plus up to $12,000 for new skills training.
Up to $39,000 Total Support👴 Retirees & Near-Retirees
Your 401(k), IRA, and pension are protected. If you're within 5 years of retirement, you can buy volatility insurance to protect against big losses.
Retirement Lockbox ProtectedCapital gains taxes cut in half for 10 years. Sell appreciated stocks, property, or business assets and keep more of your gains.
50% Lower Tax Rates👨👩👧 Working Parents
Employer childcare credits make it easier to find affordable care. Paternity leave support helps new dads be there for their families.
Up to $4,000 Childcare Credit📉 Capital Gains Tax Cuts for 10 Years
Sell investments now and keep more — rates cut in half
Temporary 10-year rates. 3.8% Net Investment Income Tax still applies. Rates return to normal after 10 years.
🔒 Retirement & Social Security Protection
Your retirement savings are protected — guaranteed
401(k) & IRA Lockbox
Your retirement accounts are protected from market chaos. Federal backstop if markets drop 20%+.
Volatility Insurance
If you're within 5 years of retirement (age 59.5), you can buy insurance protecting against losses over 20%.
Pension Protection
PBGC coverage extended for market-related shortfalls. $10B reserve to protect defined benefit plans.
Social Security Firewall
Social Security benefits 100% protected. No cuts. No changes. COLA continues. Trust funds cannot be invested in stocks.
👨👩👧 Family Support Programs
Help for parents — childcare, leave, and fatherhood programs
Childcare Access Credits
Employers get tax credits for providing childcare: $4,000/child for onsite care, $3,000 for nearby, $2,000 within 5 miles.
Paternity Leave Support
Employers get 25% tax credit for paid paternity leave (up to 4 weeks). Small business grants for leave costs.
Young Fathers Programs
$300M for responsible fatherhood grants. $100M for mediation services. $150M for child support modernization.
Built-In Accountability
Fiscally responsible — pays for itself and then some
Investing in American Workers & Families
Training support when jobs change. Lower taxes on investments. Protected retirement savings. Help for working parents. This isn't just policy — it's a commitment to the people who make America work.