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In Project Partum Veritas, I share my revelations on how Christian faith can be woven into the fabric of modern life. Family support, keeping covenants with Jesus Christ, charity, love, and forgiveness are not distant ideals โ they are living remedies for the struggles of our time.
As I write from within a womenโs shelter, carrying the experience of fourteen years in America as a marginalized, lowโincome, and often discriminated woman, I ask myself: What would Jesus Christ do if He stood among us today?
โ๏ธ What Would Jesus Christ Do?
Christians believe and await His second coming. If He returned and became our ruler today, He would not leave families on the streets nor allow hunger to persist. He would transform tariffs and taxes into remedies for the needy โ cash for lowโincome households, shelter for the homeless, and nourishment for the hungry.
Under His covenant, businesses would be called to charity as part of their stewardship: hotels offering ten percent of their rooms to those without shelter, dentists dedicating ten percent of their time to those who forgot how to smile, and enterprises lifting up those who are weak. He would open the doors of opportunity with noโcollateral credits for new businesses and grants for those willing to serve others.
America, under His covenant, would blossom not through fear or scarcity, but through love, generosity and stewardship.
Faith teaches us that charity, love for one another, and keeping covenants are not distant or abstract virtues. They are practical remedies, living tools for healing families, guiding economies, and restoring communities.
In every sphere of business and governance, these principles are not optional ideals โ they are the compass that points us toward justice, renewal, and the flourishing of all people.
Homework: How could your business contribute to the needy?
Every enterprise, whether large or small, carries a covenant responsibility. Hotels can dedicate a portion of their rooms to shelter the homeless. Dentists can devote part of their practice to those in pain without means. Restaurants can share meals, shops can donate supplies, and tech firms can mentor youth.
This is not charity alone โ it is stewardship. It is the recognition that prosperity is incomplete unless it lifts those who are struggling.
๐ Tariffs Explained Simply
USA Today coverage of President Trump’s Tariff Dividend proposal.
Yet many people do not know what tariffs truly are. Before we move forward, let us explain: tariffs are taxes placed on goods imported from other countries. They do not make local products cheaper; they simply make foreign goods more expensive. The government collects this revenue, and in theory, it can be redistributed to the people.
- Tariff = tax on imports. When goods come from another country, the U.S. government charges a fee.
- Purpose: Make foreign goods more expensive so people buy more local products. As a long term, it shall promote better quality of the goods and support local manufacturers and businesses.
- Immediate Impact: Prices rise for imported items (like clothes, electronics, cars). Local businesses may benefit, but consumers pay more.
Problem: Tariffs donโt make local goods cheaper โ they only make imports more expensive. This means families feel the pinch in their wallets while waiting for local businesses to grow strong enough to compete.
๐ More Current Economic Problems
Higher tariffs + inflation โ Families face rising costs for everyday goods. Groceries, clothing, and basic supplies slip out of reach. What should be ordinary purchases become heavy burdens.
Many adults, though eligible and willing to work, cannot compete for jobs when survival consumes all their energy. Instead of preparing rรฉsumรฉs or training for new skills, they are forced into a mode of constant scarcity โ stretching meals, delaying medical care, and wearing wornโout clothes.
This is not the fruit of a covenant economy. It is the evidence of a system that has forgotten its people.
Transportation barriers โ Many jobs require driving, yet countless lowโincome adults and immigrant women have never had the chance to learn. Without training or access to vehicles, they are locked out of opportunities before they even begin.
Mobility is more than movement; it is dignity. To be able to drive is to open the road to work, education, healthcare, and family support. Without it, doors remain closed, and survival becomes a cage.
A covenant economy would declare: โRise, take up thy journey.โ Free driving lessons, car rental vouchers, and pathways to ownership would transform isolation into opportunity, and dependency into independence.
Housing affordability crisis โ Rent and home prices continue to rise faster than wages, leaving families trapped between impossible choices. Paychecks vanish into rent, and the dream of home ownership drifts further away.
Shelters, meant to be places of refuge, often lack space or provide conditions so poor that many homeless individuals prefer the streets to the indignity of overcrowded or unsafe facilities. This is not shelter; it is survival without dignity.
A covenant economy would declare: โThere is room in my Fatherโs house.โ Housing must be more than walls โ it must be a promise of safety, dignity, and belonging.
Uncertainty โ Trade conflicts and shifting policies make planning nearly impossible for households and businesses alike. Families cannot predict the cost of tomorrowโs groceries or rent, and small businesses hesitate to invest when the rules may change overnight.
This instability erodes trust and paralyzes growth. Instead of planting seeds for the future, people cling to survival in the present.
A covenant economy would replace confusion with clarity, offering steady ground where families and enterprises can plan, build, and thrive.
Health problem โ The high cost of medical services, combined with the low hygiene standards of many public shelters and thrift stores, opens a dangerous path toward homelessness and disability.
Lowโincome adults who could otherwise work and renew their lives are instead pushed out of the working class. Preventable illnesses, untreated conditions, and unsafe living environments become barriers to dignity and opportunity.
Proper shelter, cash for basic needs, and reliable transportation are not luxuries โ they are the foundation of health.
A covenant economy would declare that no one should fall into disability or despair simply because they lacked clean shelter, affordable care, or the means to reach it.
๐ก๏ธ The Covenant Safety Plan
Below is the plan I developed with my AI Copilot. It is inspired by faith and grounded in practical policy, strengthened by the precise calculations that AI makes possible. This plan proposes tiers of support designed to keep Americans healthy, housed, and working.
Each tier is measurable, accountable, and scalable:
Mercy Tier โ immediate relief through cash stipends, food, and shelter.
Stewardship Tier โ longโterm empowerment through noโcollateral credits, grants, and training programs.
Covenant Tier โ structured commitments from businesses and communities, such as dedicating 10% of rooms, time, or resources to those in need.
Together, these tiers form a covenant economy where numbers are not abstractions but lifelines. For example:
- A hotel with 200 rooms dedicating 10% would shelter 20 families each night.
- A dentist working 40 hours a week dedicating 10% would provide 4 hours weekly of free care.
- A $1 billion tariff dividend redistributed could mean $1,000 per household for one million families.
This plan is both spiritual and practical: it transforms faith into policy, and policy into measurable care.
Tier 1 โ Mercy (Immediate Relief)
- Cash stipends: If tariff dividends reach $1 billion, distributing them to 1 million households equals $1,000 per family โ enough to cover food, utilities, or rent for a month.
- Shelter allocation: A city with 50 hotels averaging 200 rooms each could dedicate 10% of rooms. Thatโs 1,000 rooms nightly, sheltering thousands of families.
- Food programs: If 10,000 restaurants donated 10 meals per day, thatโs 100,000 meals daily, enough to feed entire communities.
๐ Why it works: Mercy provides immediate stability. Families no longer fall into homelessness or hunger while waiting for longโterm reforms.
๐ Proposal: Covenant Safety Plan in Practice
1. $600 Monthly Cash Assistance
- Scale: If 10 million low-income adults received $600 monthly, that equals $6 billion per month or $72 billion annually.
- Context: This is comparable to the scale of the Earned Income Tax Credit (EITC), which costs around $70 billion annually. Itโs economically feasible if funded through tariff dividends, redirected subsidies, or progressive taxation.
- Impact: Cash assistance stabilizes households, reduces reliance on payday loans, and increases local spending โ boosting small businesses.
2. 20 Hotel Nights per Month
- Scale: If 500,000 homeless individuals received 20 nights monthly, thatโs 10 million room-nights per month.
- Cost Estimate: At $75 per night (average budget hotel rate), this equals $750 million monthly or $9 billion annually.
- Impact: This is less than 0.2% of the federal budget, yet it would dramatically reduce street homelessness, improve hygiene, and prevent hospitalizations.
3. SNAP + TEFAP Food Benefits
- Scale: SNAP already serves ~40 million Americans at a cost of $100 billion annually. TEFAP supplements with emergency food boxes.
- Enhancement: Expanding SNAP by even 10% would add $10 billion annually, enough to cover millions more households.
- Impact: Food security reduces health costs and improves school performance for children.
4. Free Driving Training Grants
- Scale: Driving lessons average $500โ$800 per person. Training 1 million adults/youth would cost $500โ800 million.
- Context: This is less than 0.03% of federal spending, yet it opens access to millions of jobs in logistics, healthcare, and service industries.
- Impact: Transportation independence reduces unemployment and reliance on public assistance.
5. Job Search Support & Employment
- Scale: Workforce development programs in the U.S. already cost around $5โ10 billion annually. Expanding them with targeted support for low-income adults could double reach.
- Impact: Every $1 invested in workforce programs yields $2โ3 in increased earnings and tax revenue.
6. Crisis Hospitalization Before Shelter
Problem:
Longโterm street homelessness often leads to alienation, untreated medical conditions, lack of hygiene, and loss of trust in institutions.
Without shortโterm stabilization, moving directly into hotels or shelters can fail โ people may relapse into homelessness or be unable to adapt.
Proposal:
Shortโterm crisis hospitalization (7โ14 days) for individuals transitioning from the streets.
Services include medical checkโups, hygiene restoration, mental health stabilization, and trustโbuilding with social workers.
Facts & Calculations:
Average cost of a short hospital stay in the U.S. is about $2,500โ$3,000.
If 100,000 chronically homeless individuals received a 10โday stabilization stay at $2,500 each, the cost would be $250 million.
Compare this to the longโterm cost of untreated homelessness: studies show that chronic homelessness can cost $30,000โ$50,000 per person annually in ER visits, policing, and emergency services.
Investing in shortโterm hospitalization saves money longโterm by reducing ER visits, improving shelter retention, and increasing readiness for employment programs.
Impact:
Restores dignity and hygiene before hotel placement.
Builds trust with caregivers and social workers.
Reduces relapse into homelessness.
Creates a smoother transition into Mercy and Covenant tiers of the plan.
Why This Plan Works
- Comparable scale: Costs align with existing programs like SNAP, EITC, and workforce development.
- Multiplier effect: Cash, housing, food, and training reduce downstream costs in healthcare, policing, and emergency services.
- Faith-rooted framing: Charity, covenant, and stewardship are translated into measurable, budgeted policies.
Tier 2 โ Covenant (Stabilization)
This tier moves families from emergency relief into structured stability. It ensures that immediate needs are met while building pathways to independence.
Transition into HUD Housing Choice Vouchers
- Scale: HUDโs Housing Choice Voucher program currently serves ~2.3 million households. Average subsidy is $600โ$700 per month.
- Proposal: Expanding vouchers by 10% would add 230,000 households, costing about $1.6 billion annually.
- Impact: Families move from temporary hotel nights into stable housing, reducing homelessness and improving health outcomes.
2. Continued SNAP + Reduced Cash Assistance
- Scale: SNAP benefits average $200โ$250 per person monthly.
- Proposal: As income rises, cash stipends taper from $600 down to $200, while SNAP continues.
- Impact: This prevents the โbenefits cliffโ โ families donโt lose all support at once, but gradually transition to self-sufficiency.
- Calculation: If 5 million households reduce cash support by $400 each, that saves $2 billion monthly while still ensuring food security.
3. Workforce Training and Apprenticeships
- Scale: Apprenticeship programs cost about $5,000โ$7,000 per participant.
- Proposal: Training 500,000 adults annually would cost $2.5โ3.5 billion.
- Impact: Every $1 invested in workforce training yields $2โ3 in increased earnings and tax revenue. Apprenticeships also strengthen industries like healthcare, construction, and technology.
4. Car Rental Vouchers for Job Seekers
Mobility is opportunity. Free driving lessons and car access would open doors to jobs, schools, and healthcare. Many immigrant women and low-income adults have never had the chance to learn driving. Government grants to driving schools and car rental vouchers would be affordable compared to unemployment or homelessness programs, and they would directly increase employment.
- Scale: Average car rental cost is $40 per day.
- Proposal: Providing 20 rental days per month for 100,000 job seekers equals 2 million rental days monthly, costing about $80 million monthly or $960 million annually.
- Impact: Transportation independence opens access to jobs, interviews, and training. Studies show lack of transportation is one of the top barriers to employment for low-income adults.
๐ Why Tier 2 Works
- Stability: Moves families from crisis (hotels, cash stipends) into structured housing and food security.
- Scalability: Costs are comparable to existing federal programs and can be expanded gradually.
- Economic Return: Workforce training and transportation yield measurable returns in employment and tax revenue.
- Faith-rooted Covenant: Businesses and communities share responsibility โ housing, food, training, and mobility become covenant promises, not charity.
This tier is the bridge: Mercy provides survival, Covenant provides stabilization, and Stewardship will provide empowerment.
Tier 3 โ Stewardship (Growth)
This tier moves families from stabilization into empowerment. It equips them not only to survive but to thrive, building wealth, dignity, and independence.
Business Credits for Low-Income Entrepreneurs (SBA, SSBCI Expansion)
- Scale: The Small Business Administration (SBA) and State Small Business Credit Initiative (SSBCI) already channel billions into small businesses.
- Proposal: Expand credits to provide $10,000 noโcollateral loans to 500,000 lowโincome entrepreneurs.
- Cost: About $5 billion annually.
- Impact: If even 50% succeed, thatโs 250,000 new businesses, each creating 2โ3 jobs โ up to 750,000 jobs nationwide.
2. Mentorship Programs Rooted in Community and Faith
- Scale: Volunteer mentorship programs cost about $1,000 per participant annually (training, coordination, materials).
- Proposal: Fund 1 million mentorship pairings through churches, nonprofits, and community centers.
- Cost: About $1 billion annually.
- Impact: Mentorship increases job retention by 20โ30%, reduces recidivism, and strengthens community trust. Faithโrooted mentorship adds moral guidance and belonging.
3. Savings Incentives to Build Long-Term Stability
- Scale: Matched savings programs (like Individual Development Accounts) typically match $1 for every $1 saved, up to $500โ$1,000 annually.
- Proposal: Provide $1,000 annual match for 5 million lowโincome households.
- Cost: $5 billion annually.
- Impact: Encourages longโterm financial discipline. If each household saves $1,000 and receives $1,000 match, thatโs $10 billion in new household savings annually.
4. Transportation Microloans for Car Purchase (Tied to Employment)
- Scale: Average used car price is ~$15,000.
- Proposal: Provide microloans of $5,000โ$10,000 to 200,000 job seekers, tied to verified employment offers.
- Cost: About $2 billion annually.
- Impact: Car ownership increases job access by 40%, reduces unemployment, and strengthens family mobility. Repayment tied to wages ensures sustainability.
5. Development of Infrastructure & Regional Business Clarity
Concept: Each region identifies its most urgent business and labor needs โ then provides targeted grants, auctions, and mentorship to individuals committed to filling those gaps.
Example 1: Brooklyn, New York โ Shoe Makers
- Need: Suppose Brooklyn requires 200 new shoe makers to meet demand.
- Proposal: Offer $25,000 startup grants to each committed artisan.
- Cost: $5 million total.
- Impact: Revives local manufacturing, creates jobs, and reduces reliance on imports.
Example 2: Tucson, Arizona โ Agriculture Development
- Need: Suppose Tucson requires 500 new small farms to strengthen food security.
- Proposal: Provide $50,000 startup packages (equipment, seeds, training) per farm.
- Cost: $25 million total.
- Impact: Expands local food supply, reduces transport costs, and creates sustainable employment.
Infrastructure Investment
- Scale: If each state identified 10 priority industries and funded 1,000 entrepreneurs per industry at $25,000 each, that equals $250 million per state.
- National Cost: For 50 states, about $12.5 billion annually.
- Return: Localized business development strengthens supply chains, reduces unemployment, and keeps wealth circulating regionally.
๐ Why This Works
- Targeted: Funds go where communities need them most โ not generic programs, but tailored to local demand.
- Efficient: Auctions and grant competitions ensure money flows to the most dedicated individuals.
- Empowering: Farmers, artisans, and entrepreneurs become covenant stewards of their regionโs economy.
- Faith-rooted: Stewardship is not just about personal gain โ itโs about serving the communityโs needs with commitment and integrity.
๐ Why Tier 3 Works
- Empowerment: Moves families from dependency into ownership โ of businesses, savings, and transportation.
- Economic Return: Every $1 invested in entrepreneurship and savings yields $2โ4 in GDP growth.
- Community Strength: Mentorship and faithโrooted programs restore trust and belonging.
- Scalability: Costs are modest compared to federal budgets, yet impacts ripple across generations.
โจ Tier 3 is the growth engine of the Covenant Safety Plan: Mercy rescues, Covenant stabilizes, and Stewardship empowers.
๐ Call to the Central Government
Americaโs covenant must be renewed. Tariff revenues, housing programs, food aid, and business credits should be woven together into a safety net that reflects our deepest values. By integrating faith, charity, and stewardship, we can ensure that no American is left behind โ not the youth, not the disabled, not the healthy adults striving to rise again.
What would Jesus Christ do? He would build a covenant economy โ and so must we.
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