Purpose
AHA is a housing and retirement policy package designed to make home ownership achievable, restore mobility, and reduce long-tail public risk. It does this by aligning 401k tax advantages to America-centric investment rules, offering government-backed home loans pegged to the 1-year Treasury bill rate, enabling lifetime tax-free reinvestment when moving, and adding a cornerstone feature: Post-Purchase 401k Redirection to pay down mortgage principal.
1. AHA in One View
(a) Four integrated pillars
(1) Pre-purchase 401k access for a first-time primary residence under AHA eligibility rules.
(2) Government-backed home loans pegged to the 1-year Treasury bill rate.
(3) Lifetime mobility with tax-free reinvestment into another primary residence.
(4) Post-Purchase 401k Redirection so ongoing 401k contributions can pay down mortgage principal.
(b) Program objective
(1) Increase household stability.
(2) Increase housing circulation.
(3) Reduce federal exposure duration.
(4) Convert retirement contributions into real-asset equity for families that choose it.
2. Pre-Purchase 401k Home Access
(a) Core rule
(1) AHA allows tax-free 401k withdrawals for a first-time home purchase when used for a primary residence.
(2) The benefit applies only if the 401k is invested in AHA-eligible America-centric companies.
(b) Eligibility standard
(1) Eligibility is based on measurable U.S. contribution: U.S. jobs, U.S. production, and U.S. sourcing.
(2) Eligibility is not based on branding, mailing address, or marketing.
(c) Disqualifiers
(1) Crypto holdings do not qualify.
(2) Foreign-domiciled mining or commodities plays do not qualify.
(3) Companies materially dependent on China-based supply chains do not qualify.
(d) Anti-gaming time lock
(1) Require a continuous compliance window before a company qualifies.
(2) A reasonable starting point is 24 to 36 months of meeting the thresholds.
3. Government-Backed Home Loans Pegged to the 1-Year Treasury Bill Rate
(a) The problem
(1) Mortgage rates swing sharply.
(2) Rate volatility freezes mobility and locks families into place.
(b) The AHA home loan
(1) Create a government-backed, passbook-style home loan pegged to the 1-year Treasury bill rate.
(2) Homeowners receive stable, predictable financing tied to a transparent benchmark.
(c) Capital formation
(1) Banks, institutions, and money market funds can buy AHA loan instruments as a safe alternative to holding 1-year T-bills.
(2) This channels sovereign-grade capital into home ownership rather than forcing families into volatile mortgage pricing.
(d) Portability
(1) An AHA homeowner can carry the same government-backed, T-bill-rate loan when relocating, upgrading, or downsizing.
(2) This prevents households from being trapped by losing favorable financing.
4. Post-Purchase 401k Redirection
(a) The concept
(1) After purchase, a worker may redirect ongoing 401k contributions toward paying down the principal of the AHA home loan.
(2) This includes employee contributions and may include employer match contributions where permitted by plan design.
(b) The mechanic
(1) Redirection is elective and opt-in.
(2) Redirection applies only to the borrower’s primary residence loan under AHA.
(3) Redirection flows as a principal curtailment, reducing outstanding balance and shortening loan duration.
(c) Why this changes everything
(1) It converts retirement contribution flows into guaranteed household equity growth.
(2) It reduces federal exposure by shortening the period the government is on the hook.
(3) It creates a recycling flywheel where federal lending capacity can rotate faster to younger homeowners.
(4) It improves household stability and mental health by accelerating the path to being debt-free.
(d) Simple example
(1) Worker contributes 4% and employer matches 4%.
(2) If redirected, 8% of earnings flows into principal paydown.
(3) The loan amortization compresses materially, reducing total interest and years outstanding.
(e) Safeguards
(1) Permit redirection up to a defined ceiling to preserve retirement diversification as needed.
(2) Permit redirection until a defined equity milestone is reached, then allow continuation or automatic reversion to standard 401k investing.
(3) Keep the rule simple, visible, and hard to game.
5. Equal Treatment Across States
(a) The problem
(1) Many “tax-free” programs ignore state income taxes.
(2) High-tax states get penalized, which makes a national program unequal.
(b) Federal umbrella
(1) A qualifying AHA withdrawal must be exempt from federal tax.
(2) A qualifying AHA withdrawal must be protected from state income tax under a federal umbrella for this specific home purchase use.
(3) A national program should operate equally for every American, regardless of state.
6. Lifetime Mobility and Reinvestment
(a) Lifetime reinvestment clause
(1) If a home purchased using AHA funds is later sold, proceeds may be reinvested into another primary residence at any point in the person’s life with no tax and no penalty.
(b) Mobility outcomes
(1) Young families can start in multi-unit housing, then move to a larger home as children arrive.
(2) Workers can relocate for better jobs without penalty.
(3) Retirees can downsize into smaller homes or 55-plus communities and free up larger homes for families.
(4) This improves housing circulation and lowers social friction.
7. Intergenerational Strength
(a) Reality
(1) Parents commonly downsize later in life, and equity supports children’s down payments and household formation.
(2) This is a normal American ladder.
(b) AHA benefit
(1) Faster paydown plus mobility plus portability increases the odds that families can transfer stability, not debt, across generations.
8. Transparency and Administration
(a) Measurable standards
(1) Define eligibility using auditable, measurable disclosures, not opinions.
(b) Quarterly public reporting
(1) Publish simple quarterly program metrics: eligibility rules, compliance posture, and program scale.
(2) The purpose is trust and public visibility.
9. Public Record
(1) Submitted to the White House via https://www.whitehouse.gov/contact/ on January 20, 2026.
(2) Archived here for public review.
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10. Closing
(a) Summary
(1) AHA is pro-family, pro-mobility, and pro-America.
(2) Post-Purchase 401k Redirection turns retirement flows into home equity, accelerates payoff timelines, and reduces federal long-tail risk.
(3) The combined structure makes home ownership easier, mobility normal again, and public capital recyclable at higher velocity.