Dear Reader,

Politicians continue selling you a lie about affordability.

Again.

They promise cheaper housing through rent control. Free buses. City-run grocery stores. Electricity price caps.

It's all garbage.

I've been teaching financial literacy for decades. I know the difference between real solutions and political theater.

What are they selling? That's theater.

Let me show you what actually works.

New York City just elected a mayor promising rent freezes. New Jersey's new governor wants to cap electricity bills.

Democrats love this stuff. Now Republicans are jumping in too. "It's all about prices," they say.

Here's what nobody tells you.

You can't wish away inflation. Prices jumped 20-30% since 2020. That money's gone. Your 2019 prices aren't coming back.

The only way to force prices down is to crush the economy. Trigger a deep recession. Destroy jobs.

Want that? I don't.

But "wait it out" doesn't win elections.

So politicians offer quick fixes. Rent caps. Subsidies. Price controls.

These always fail. Always.

Rent control creates housing shortages. Subsidies shift costs to taxpayers. Price controls spawn black markets.

Basic economics. Proven by history. Ignored by politicians.

There's a better way. Not easy. Not sexy. But it works.

Back in the 1970s, rising prices led to deregulation. Transportation costs actually fell.

We need that playbook again.

Stop adding controls. Start removing barriers.

Americans spend 70% of their budgets on six categories: shelter, transportation, food, healthcare, utilities, and household goods.

Every single one is strangled by regulation.

Cut that red tape. Costs fall naturally.

Here's how.

Food spending jumped 29% since 2019. Lower-income families spend over $1,000 monthly on groceries.

Politicians created this problem.

Sugar quotas double U.S. sugar prices versus world prices. Cost you $2.4-4 billion annually.

Trump's tariffs? A grocery tax. When he briefly slapped 40% duties on Brazilian coffee, then removed them, global coffee prices fell 1-3% in one day.

Immigration crackdowns? Raise food prices. With 42% of crop workers at deportation risk, expect labor disruptions and higher produce costs.

The fix? End sugar quotas. Scrap food tariffs. Expand agricultural visas.

Watch grocery prices fall.

We know how to make housing cheaper.

Build more of it.

Release federal land in the West. Remove urban growth boundaries choking cities like Portland, San Jose, Honolulu.

Tear down zoning codes banning dense development. Height limits preventing building up. Parking mandates adding thousands per unit.

Upzoning increases housing supply 9% within a decade. One study calls it "viable policy for increasing housing affordability."

Adopt by-right permitting. Make approvals automatic unless government proves why not.

Every delay costs money. Every regulation restricts supply.

Remove barriers. Housing gets built. Prices stabilize.

Average households spend $1,730 yearly on electricity, $2,700 on gas.

Power prices up 35% since 2020.

Why? Bottlenecks created by the government.

In New England, constrained gas pipelines mean wild price spikes in winter. January 2022's blizzard? Electricity prices hit $100+ per megawatt-hour 25 times.

The fix? Approve more pipelines faster.

End tariffs on steel, aluminum, copper needed for electrical grids. Materials comprise over half a transformer's cost.

Repeal the Jones Act forcing U.S.-built, -owned, -crewed vessels for domestic shipping. Killing it would cut East Coast fuel prices $0.63-0.82 per barrel. Save consumers $770 million yearly.

Simple changes. Massive impact.

End the 25% "chicken tax" on imported light trucks. Sticker prices fall immediately.

Kill dealer-franchise laws banning direct-to-consumer car sales. These force you to buy from local monopolies. Economists find this hikes prices 2-9%.

Scrap Buy American laws forcing transit agencies to use expensive U.S.-made parts. The Federal Transit Administration demands 70%+ domestic content. Those extra costs resurface as higher fares and taxes.

Let automakers sell straight to drivers. Allow driverless cabs. Increase competition.

Competition lowers prices. Always.

Healthcare's a mess of subsidies and regulations.

Out-of-pocket spending hit $1,514 per person in 2023.

Here's the solution nobody wants to talk about.

Let nurse practitioners practice independently. Studies show no difference in outcomes versus doctors. But doctors charge 34% more for low-risk primary care.

Make safe meds available over-the-counter. When birth control pills went OTC at $19.99 monthly, most women wanted to pay $1-10. That's market feedback.

Automatically approve drugs already approved in Europe, UK, Japan, Australia. Flood the market with competition.

Prices fall when you increase supply. Always.

See the pattern?

Every category. Same problem.

Government restricts supply through quotas, tariffs, licensing, zoning, protectionism.

Supply shrinks. Prices rise.

The solution isn't subsidies hiding costs. It's removing barriers blocking supply.

This is what Rich Dad taught me. Follow the money. Understand incentives. See through the political BS.

Politicians will keep promising affordability through controls and subsidies.

Don't believe them.

Real affordability comes from production, not redistribution.

More supply. More competition. Lower costs.

It's not complicated. It's just not politically sexy.

Rent control sounds compassionate. Killing sugar quotas sounds boring.

But rent control destroys housing. Ending sugar quotas saves you billions.

Results matter more than intentions.

You want affordable food? End quotas and tariffs.

Want affordable housing? Remove zoning restrictions and build more.

Want affordable healthcare? Let more providers practice and approve foreign drugs.

Want affordable energy? Approve pipelines and end protectionist laws.

The formula is simple. Increase supply. Reduce barriers. Let markets work.

Politicians hate this message. It doesn't win votes to say "I'll remove regulations you didn't know existed."

Easier to promise free stuff and price controls.

But free isn't free. Price controls create shortages.

Real affordability comes from letting producers produce and letting markets clear.

That's economics 101.

And maybe next time, Washington could avoid reckless monetary and fiscal policy that created this inflation mess in the first place.

Just a thought.

Robert Kiyosaki

Editor, Money Power and Profit

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