[Return on Investment] [Basic Income]

Visionary, Innovator:

This plan has the potential to solve more of the worlds’ problems - your problems - than any
single proposal likely ever has, while at the same time providing immediate guaranteed
Return on Investment (ROI), and a legendary legacy - although discretion is always an option.
We can accomplish this by consolidating private efforts and funds towards an unprecedented
ROI-focused Basic Income (BI) trial year plan commencing January 1, 2025 - or ASAP. However,
it’s not just ROI BI, it’s a modern comprehensive program designed to simultaneously educate,
connect, inspire, and support the people who need it most, and in sustainable ways that will
benefit future generations. It’s charity 5.0 and you can get involved now.

By solely using private funds, we don’t have to deal with any political arguments or garner
political support of any kind until and unless an organic consensus based on actual success
forms. In the meantime, all we have to do is find the right people to make the right things
happen, namely: tech partner/s, bank/s, and private donor/s. The consolidation would primarily
be facilitated using a website and crowdsourcing platform that transparently displays the total
donations, how they are spent, the ROI generated by users both in totals and within individual
dashboards, as well as education and mental health resources to directly address and elevate
the most fundamental aspects of our society.

For multiple reasons, the most ideal financial sources to fund ROI BI - by far - are charity
budgets. Charity funds don’t typically anticipate any return at all, but they are absolutely
guaranteed in the plan outlined below, so it’s an immediate advance on charitable practices as
we know them, and a major step towards a more sustainable model to improve humanity.
Investor dollars could potentially be used and handled differently if and when a path to
profitability becomes clear, in which case ROI BI would be no different than any of the many
businesses that accept losses for multiple consecutive years based purely on calculated
forecasts, and yet are still considered wildly successful. Amazon is a prime example, as well as
an ideal potential partner.

Americans have given as much as $471 billion dollars per year to charities. Apple (AAPL),
Microsoft (MSFT), Alphabet (GOOG), and Meta (META), which doesn’t include a vast array of
smaller potential tech partners, brought in a total of $255.7 billion in net income for their full or
fiscal year 2022. The government has a $1.2 trillion dollar budget for social programs. Portions
of all of these sources could potentially eventually be consolidated towards ROI BI so that they
are most directly and effectively addressing the objectives of nearly every person and charity
that exists all at once. Over time, shares of the above budgets could be incrementally
increased, optimally repurposed, and then hopefully eventually scaled to help more and more

$30 Billion

Although the cost of ROI BI may sound high, it is important to remember that the benefits are
likely higher. The numbers can become astronomical fairly quickly, so we would likely need to
be most selective when accepting the first year ROI BI participants. Based on a
to-be-determined criteria, we could focus on people who possess the most potential to
generate the ROI necessary to secure future years and help build the foundation for others.
$30 billion could theoretically provide $500 per month for a year to 5 million low-income
people who meet the criteria. Between private donors and tech companies, either of which
could foot the entire bill on their own, and hopefully eventually the government, whose
budget eclipses both of them, a $30 billion ROI-focused BI budget for the first trial year is,
without a doubt, achievable.

Set up costs would still need to be determined, however, much of the tech needed to execute
the plan already exists. It’s all just a matter of consolidating and optimizing efforts.
Theoretically, we could double the estimate to $60 billion to offer double the monthly income
or help double the amount of people and still remain a small fraction of the above budgets.

The ROI-focused BI plan:

1. The BI funds would be electronically deposited into digital bank accounts and credit cards
that recipients would be required to use to pay for the goods and services they purchase, both
online and in person, which could then immediately start contributing merchant fees to the
ROI fund. This could generate millions of dollars. It could potentially generate even more over
time if participants deposit money from outside sources and start using it as their main bank,
which could be a potential requirement of the program. We could partner with a bank to set
up the accounts and ensure the money is FDIC insured.

2. The BI bank accounts would live on a crowdsourcing website platform that transparently
displays the flows of total ROI BI revenue in all directions, as well as personalized private
dashboards that show individual ROI and progress based on behaviors. Platform
fundamentals, such as college courses and mental health resources, could be complemented
by a to-be-optimized list of the most profitable online services that are typically found at
entirely different websites, such as: shopping, search, crowdfunding, news, social, video, and
various elements curated specifically to increase ROI contributions over time, but most
importantly: advertising. The more time spent on the platform, the more advertising ROI is
generated, which could contribute millions of dollars to the ROI fund.

3. Essentially, if a ROI BI recipient isn’t working, they would need to be learning, and vice versa.
In both cases, ROI funds could be produced. The application process would include an
assessment of an applicants’ reading and education levels, identify the variety of personal and
mental health needs that may need to be addressed, administer career assessments, etc.,
among much that is yet to be determined. It could then recommend jobs and applications,
local resources, career education paths, and practical continuing education courses, such as
taxes, credit, finances, etc.

4. The platform would also be able to generate ROI from people who are not applying for or
receiving BI. By consolidating as many of the most profitable web services as possible onto
one platform and allowing users to very visibly finally see shares of everyday online revenue
deposited directly into their own personal bank accounts in their dashboard based on their
usage, the platform would likely become unprecedentedly engaging.

5. ROI BI recipients could have to agree to a certain amount of reciprocity by contributing
small portions of their profits from future businesses to the ROI. An entire major future tech
company could eventually emerge from one of the participants, among a robust array of
business potential, all of which could contribute pre-established percentages to the ROI BI

6. ROI BI recipients could have to agree to a certain amount of reciprocity by contributing
small portions of their future earnings, likely beyond a certain earning threshold, to the ROI. If
the government gets involved at some point, it would likely be a tax.

7. Vendors owned by / affiliated with donors could be offered as first options in the online
marketplaces connected to the BI account, allowing money to immediately be paid back to
donors while providing vital services. Amazon comes to mind if Mr. Bezos is on board.

8. There are likely more legitimate revenue streams and functions that we simply have not
realized yet and/or they seem too premature to add here right now.

9. The ROI funds could be re-allocated to future BI funds, cover administration costs, and/or
pay investors back over time.

10. Potentially, if required by the plan or requested by a major investor, a percentage of each
new contribution could be allocated to cover costs and/or contributed to the ROI fund.

11. Many complementary online websites and concepts, such as angel investing sites, could
become part of the consolidation onto the ROI BI platform, and all of them could be required
to contribute percentages to the ROI BI fund.

12. Prior to receiving ROI BI, participants would be made fully aware of how it works, including
the KPIs expected of them, in order to hopefully secure the second year for the entire program.
They would be made aware of the potential for changes and/or discontinuation at any time
based on the many factors at work. Prior to receiving each monthly payment, participants
could be asked to report if they took classes, worked, provided community service, etc., among
a list of properly crafted survey questions optimized to increase eventual ROI. In conjunction
with financial literacy and tax courses, participants would likely need to be prepared to discuss
their spending.

13. AI could be used to optimize the entire ROI BI process and aggregate data, especially
spending data, which could be used to find the fastest paths to achieve increased ROI for
future BI.

14. Positive ROI BI results would most likely advance future democratic government
participation organically. ROI BI could potentially eventually become a government contractor
that provides their social services. A partnered state by state approach that includes
consolidating each major cities’ social services under one large roof, complete with transitional
housing, could be the ultimate implementation of ROI BI.

15. Should ROI-focused BI survive the trial year, the vision for success is an ever-improving
sustainable system and drastically reduced need for BI and/or government assistance. We can
hopefully offer it in other countries if and when it makes enough sense to do so.

16. Should the following idea survive further research and due diligence, as a security measure,
people could potentially have to register their mobile devices to receive ROI BI, which could
also potentially eventually be added to the voter registration process to help pave a path to
easier online voting in elections.

17. The platform could also be used to consolidate connections between people and
organizations who need items with people and organizations who are giving them away.
People could post their needs, such as food, furniture, housing, etc. to the platform, which
could be organized geographically on a map. Then charitable people and organizations could
then focus on connecting those needs.

   Below are some of the problems that BI can solve:

● Poverty: BI reduces poverty by ensuring people have enough money to meet their
basic needs, such as food, housing, and healthcare.

● Mental health: When people have enough money to meet their basic needs, they are
less likely to experience stress and anxiety.

● Gun Violence: Healing mental health has been postulated to help reduce gun violence.

● Physical health: BI improves physical health by reducing stress and providing access to

● Education: BI helps people attend school or college, which could lead to increased
educational attainment, improved job prospects, increased future income, which could
then contribute to hopefully increasing future ROI BI.

● Crime and Violence: Providing people with the financial resources needed to meet
basic needs decreases desperation and crime rates.

● Social mobility: BI provides people with the financial resources needed to improve their
lives, which leads to a more just and equitable society.

● Inequality: BI levels the playing field by giving more people a chance to succeed.

● Homelessness: BI could be consolidated with all social resources and transitional
housing under one large roof in applicable cities to make an impact.

Below are some of the ways donors and investors could benefit more directly:

● Increased economic activity: When people have more money to spend, it could
increase sales for businesses, which could benefit donors and investors.

● Reduced government spending: BI could lead to reduced government spending on
social programs, such as welfare and food stamps. This could save taxpayers money,
which could benefit donors and investors.

● Increased tax revenue: BI could lead to increased tax revenue as people earn more
income and have more money to spend.

● Increased productivity: When people are not worried about their basic needs, they are
more likely to be engaged, loyal, and productive at work. They are also more likely to be
focused, motivated, and creative. They are more likely to start their own businesses,
which can create jobs, stimulate the economy, and pay percentages to the ROI fund.

● A better customer base: Healthy and happy people are more likely to be satisfied with
their products and services. This is because they are more likely to have the time and
energy to use them, and they are more likely to be willing to pay for them.

● More innovation: When people have the freedom to pursue their dreams, they are
more likely to be open-minded, curious, and willing to take risks, so they are more likely
to come up with new ideas, inventions, and solutions to problems. This can lead to new
businesses, products, and services that can benefit everyone. Donors and investors
could eventually earn percentages from the new businesses.

● A stronger community: Healthy and happy people are more likely to be involved in their
communities. This is because they are more likely to have the time and energy to
volunteer, donate, and participate in civic activities.

● A stronger society: A healthier and happier population of communities is a stronger
society. They are more likely to make a positive impact on the world.

Artificial Intelligence (AI) is not only a major reason BI is necessary given the fact it’s so actively
replacing jobs, but it could simultaneously help to generate the revenue used to fund it, as well
as ease its’ facilitation. Since all of tech (not just AI) is our largest export, revenue from
cumulative tech profits could potentially eventually be distributed to residents similar to how
Alaska distributes its surplus oil profits. In addition, AI can:

● Analyze large amounts of data to identify trends and patterns that may be difficult for
humans to see. This data can then be used to present evidence showing ROI, progress
made, reductions in poverty, improved health outcomes, etc.

● Distribute BI more efficiently and track the use of BI funds. The website and spending
data is a potential goldmine, which could be used to optimize the process and increase

● Model the impact of BI and ROI on different aspects of society, such as the economy,
the workforce, and crime.

● Personalize the message about BI to different audiences to help optimize the ROI.

● Automate administrative tasks that are currently done by humans. This would free up
people to pursue other productive activities.

● Create new jobs. For example, AI could be used to develop new ROI focused products
and services, or to improve the efficiency of businesses.

Potential Arguments:

● If you think BI is not your responsibility: There’s a reason why nearly everyone who is
capable of giving does so regularly . Most of us know it is our responsibility.
Furthermore, it could be argued that the people who are most capable hold the most
responsibility. If you already donate to so many charities and could also benefit in so
many ways, how is it not?

● If you think BI is a handout: There is nothing wrong with charity, however, ROI BI is
different and both accountability and reciprocity are built in.

● If you think BI is not the governments’ responsibility: It’s part of the reason why we are
focusing on private donors right now, however, government spending on social issues
is already happening at an alarming clip with no end in sight, and this plan actually has
the potential to eventually decrease it, which is what you want, so you can get on board.
There’s nothing to argue about if we solve the problem.

● If you think BI is not your expertise: It’s an emerging field, and just like any other
investment with major reward potential, you could easily eventually become an expert
on it. Legal concerns can be addressed in user agreements.

The Finland BI Experiment: Finland conducted a BI experiment in 2017-2018, and the results
showed that it had a positive impact on the economy and the well-being of participants. The
results showed that participants were more likely to be employed, and they were also more
likely to report feeling happy and healthy. The experiment also showed that there was no
negative impact on the economy.

In Conclusion: Rather than donating to so many different charities in what feels like endless
pointless efforts, ROI BI provides one consolidated place to more sustainably allocate charity
budgets directly to the people who need them the most and in ways that will benefit future
generations. It has the potential to resolve nearly every major dilemma all at once while
achieving historic charitable and social ROI. You can make it your legacy right now.

How You Can Help

● Update the narrative: Start communicating the changes to what was formerly referred
to as Universal Basic Income (UBI). ROI BI is essentially its’ 5.0 and the compromise we
need to move it forward.

● Send this letter to all of the people you know who can put it in front of financial
decision-makers and/or add it to their marketing, PR, email lists, etc.

● Start asking people and businesses to pledge their charity budgets to ROI BI.

● Pledge your contribution and/or share your thoughts at this website:


Chelsea C


I’m here to help any way I can.