Obviously there’s been a lot of talk lately about this whole economic stimulus package that is trying to be passed here in the United States, but other countries have now started to add in their own versions — the UK, Australia, Iceland (bad luck there, dudes), and others.   It’s all in the name of trying to get things back to “normal”, where that is indicated by more people making money and doing well than not.   And right now, most of us are either starting to falter, have stumbled, or are flat on our faces and sizing up where, exactly, we would put the KitchenAid in the cardboard box.

I’ve thought a lot about this entire idea of the stimulus, have listened religiously to NPR’s Planet Money podcasts concerning various opinions and analysis, and have thought about my own situation as well as that of others.    Despite recent polls indicating that support for the bill is falling amongst Americans, I still feel it’s a good idea, but the manner in how to go about it is the tricky part.

Tax relief?   Good.   Tax credits?   Not bad, but harder to see right away.   Infrastructure spending?   Great for the long term if done right, huge sinkhole of a money pit if done wrong.     The sides on that one are pretty slippery, too, I’m afraid.   Corporate tax cuts?   Uhm…didn’t we try that one already?  Yeah, it didn’t work.

I think the hardest part for everyone is quantifying what, exactly, is going to happen that will concern us, personally.   I mean…I’m big enough and smart enough to look at the whole picture.    I very well know that infrastructure spending, while a slow, long-haul poke in the ass of the economy, will ultimately make us a better country and we’ll be glad we did it in, say, 5 to 10 years.    But to be honest, RIGHT NOW, it doesn’t mean Jack M. Squat to me in terms of my day-to-day needs and necessities.

Giving me more money to take home is a great way to say, “Perk up!  Stimulate the economy!”    But that depends on how much it is.    $50 a paycheck isn’t going to go much farther than things do now, and I’m likely to look at that and think, “Well, I could…uh….buy another case of ramen??” whereas a significantly larger amount, say, $300, is another car payment, or mortgage boost, or a debt payment, or….there’s a lot more options for that kind of cash than a five-0h carries.

It also matters in terms of where I am versus where others are.     I still have a good, decent-paying job, and feel secure that I won’t be gone anytime soon (although nobody feels 100% secure and, rightly so).    There are tons of folks out there, however (and getting worse every day), that aren’t emloyed or at least not enough, and they’re looking at the stimulus package in a whole different light, more as a savior to impossible conditions rather than a boost.

I’m certainly not of the opinion that everyone should get a huge handout.   For one, in such a situation, you HAVE to have some people on the rocks, some business failing, and some jobs lost and so forth, otherwise nobody has motivation and the system becomes a welfare state and not an opportunistic one.    BUT, that all being said, it makes sense that we’d try to at least keep the majority of folks in good shape when possible.

What do I need?   Well, if I have to be completely selfish, here’s what MY stimulus would look like:

• More take-home money in the paycheck, of a significant amount.    Iowa, take back your silly agricultural taxes (god, state taxes here are stupid-high), and federal, ease up a bit.   I’m happy to pay for roads, but — honestly.
• Debt relief in the form of lower interest rates and longer pay periods.    Don’t know what government could do about that, but making things stretch out would sure be handy.   I’m happy enough to pay off my debts, but making it easier to buy groceries would be really kickass.
• Offer the option to have a forbearance on student loan payments for a year.    Look, I’m in it till 2021 right now;  I’m not in a hurry, so…can I just take a year off?   Charge me interest if you will, but let me forget about that one for a bit, hrm?   They’re so…annoying.
• Since I’m one of those who has a house that I can actually pay for and afford, make it easy to get monies or credits for improving our properties.   Not only will we get more efficiency, but we’ll see urban renewal, and that has to be a positive.

Really, in a nutshell, those are the things that will matter to me most, given my situation and place in life right now.     I’ll probably get a few of those things, but doubtful if I’ll get them all.

Now it’s YOUR turn — tell us what would stimulate you and why it would make a big difference in your life.    If we’re lucky, a Senator’s reading this right now.