Early literacy for every child
The first six years are worth a million dollars.
First Grade readiness, measured as present value.
Best reading, counting, and positive expectation (kindness) at age six carry a present value near one million dollars per child.

Best readiness at age six
≈ $1,000,000
Combine and value the Synaptic Networks being created during the age of 0-6 to create the discounted present value of future earnings, before the “group of children” reach first grade.
Five outcomes. One window that closes at six.
Every child arrives at first grade somewhere between worst and best. Each level carries a defined, measurable value that a whole community can see and already values.
Worst, bad and even good outcomes get accepted today for one plain reason: better and best are not routinely funded.
- Worst
- Bad
- Good
- Better
- Bestnear $1M
A $36,000 gift from an effective citizen starts the readiness. The investor is guaranteed repayment. The family pays the interest.
$1,000
a month to a family
36 months
through the years that decide the most
Best ready
to read, count and understand positive expectations at first grade
A private lender places the outcome with the local RRFC. The RRFC passes the receipted asset (ERSD-RA) to the Federal Reserve, under a pivot this project calls FED NEXT, so every family that wants a best start can have one.
To fix crime we have to fix the family… As a nation we are in deep denial.
William Strauss and Neil Howe, The Fourth Turning
Two E-Mail Marches. One E-Mail Letter a month.
Click on a letter to copy or send it. Ask Tom Wolfgram about the expectations, organization and financial structure for sending the letters to effective citizens and the FED.
The ABCs · to the influencers of kindness
The Positive Expectation — Best Reading Skills, Math Skills and What a child should hear, every day, before six
Be sharing · Be listening · Be smiling · Be fair · Be humble · Be polite · Say please · Say thank you · Say I’m sorry · Say excuse me · Take turns Be Honest – Be helping – Be Working
Growth Education, Economics, Emotions and Ethics
Examples of Additional Materials
What the FED NEXT really comes down to.
Start with the short video, then follow the longer discussion and the FED Sets wherever you read.
FED NEXT as described here does not exist and will not exist without active community development.
Real equal opportunity only come from the FED defining real High-Quality Full Employment
An Audio regarding the paybacks here
An Audio regarding FED NEXT financials here