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Why We Need HUD Human Housing Reform

For decades, families have been locked out of opportunity by inflated housing values, predatory lending, and discriminatory contracts. The HUD Human Housing Bill is designed to break this cycle. This reform ensures housing is fair, affordable, and accessible — keeping families in their homes and opening the door for renters and the homeless to have real stability.

HUD Human Connect — Equal Opportunity by Design

HUD Human Housing Bill

Predatory lending has existed for generations, forcing families into debt and financial ruin through inflated housing values and unfair contracts. This bill provides a blanket solution to an ongoing problem that everyone already knows.


The HUD Human Housing Bill introduces fair housing reform, eliminating inflated appraisals and abusive contracts. Housing shall be valued at $1.00 for every used property in the United States. Families remain in their homes, protected from displacement. Renters and homeless individuals gain access to affordable housing through the same standard.

The Problem (Current Process)

CURRENT Application Process

  1. Apply: Jobs / Credit / Housing
     
  2. Provide Personal Info: address • disability • background • IDENTIFICATION
     
  3. Company screens the personal info
     
  4. Outcome: RACIAL bias & discrimination (redlining • stigma • exclusion)

The Solution (HUD Human Connect)

NEW Application Process

  1. Apply: Jobs / Credit / Housing
     
  2. HUD HUMAN CONNECT - QR Code identity: quick tap/scan (no bias‑loaded documents)
     
  3. Human verification: “Are you a human?”
     
  4. Skills / Education / Certifications (numerical, neutral data)
     
  5. Outcome: fair review • equal opportunity FOR ALL

Join the Movement for Equal Opportunity

Disclaimer:
By joining this movement, we agree to work one 12-hour shift per week until reparations are enacted. If reparations are not signed into law, no one returns to work unless companies provide one year’s salary upfront (minimum $1 Billion dollars, taxed no more than 10%). Employers must also cover healthcare, daycare, and vehicles for transportation. We are united, and the deadline for compliance is four months and ten days.

Interim Payroll & Housing Reset Model

Employee Agreement

This Employee Agreement (“Agreement”) establishes the terms and conditions under which workers shall be compensated, taxed, and protected under the National Labor and Housing Framework of 2025.

Section I. Work Hours

  1. Each employee agrees to work one (1) twelve-hour (12-hour) shift per week.
     
  2. This equals 624 hours per year (12 hours × 52 weeks).
     

Section II. Compensation

  1. Companies shall pay each worker $1,000,000,000 (One Billion USD) upfront every 90 days.
     
  2. This amounts to $4,000,000,000 (Four Billion USD) per year, gross.
     
  3. A flat tax of 10% applies to all compensation:
     
  4. Annual tax: $400,000,000
     
  5. Net annual pay: $3,600,000,000
     
  6. Hourly Equivalent:
    Gross: ≈ $6,410,256 per hour
    Net: ≈ $5,769,231 per hour
     

Section III. Contract Terms

  1. Each worker signs a 1-year non-compete contract with their primary employer.
     
  2. Workers may hold up to three (3) additional outside jobs in unrelated fields, totaling no more than 36 hours per week.
     
  3. All secondary employers must also pay $1 Billion dollars upfront per worker per 90 days.
     
  4. Realtors shall earn a minimum commission of $3,000 per short sale.
     

Section IV. Housing & Community

  1. Families remain in their homes.
     
  2. Renters and homeless individuals shall be placed into $1 homes.
     
  3. Each adult shall pay a flat housing tax not exceeding $900 per year (≈ $75/month).
     

Section V. Enforcement

  1. All contracts are binding under the Equal Work–Equal Pay Act of 2025.
     
  2. No employer may deviate from these pay structures.
     
  3. Violations shall result in immediate forfeiture of business licenses and mandatory reparations payments to affected employees.

 Employee Agreement


  1. Each employee agrees to work one 12-hour shift per week (≈ 624 hours per year).
     
  2. Companies pay $1 Billion Dollars upfront per worker for the year.
     
  3. A flat 10% tax applies → $1 Million taxes , $900,000 net take-home per worker.

Contract Terms


  1. Each worker signs a 1-year non-compete contract with their company.
     
  2. They may hold up to 3 outside jobs in other fields (36 hours per week total).
     
  3. Those other employers must also pay one-year upfront compensation of $1 Billion dollars minimum per worker.
     
  4. Realtors earn $3,000 minimum commission per short sale.
     
  5. Families remain in homes; renters/homeless placed into $1 homes.
     
  6. Each adult pays flat housing tax under $900/year (≈ $75/month).

Expanded Disclaimer: Full Terms of Agreement

  1. Labor: One 12-hour shift per week (morning, day, or night).
     
  2. Freeze: If reparations are not enacted, no one returns to work. Companies must pay one year’s salary upfront (minimum $1 Billion Dollars capped tax at 10%).
     
  3. Interim Pay: $7.25/hour symbolic wage during the freeze period, covering transportation and meals only. Employers must also cover healthcare, daycare, and insurance.
     
  4. Vehicles: Automotive and affiliate employers must provide each worker with a vehicle. If none is provided, they must pick workers up.
     
  5. Family Benefits: Workers receiving upfront pay automatically qualify for Medicaid and unlimited food assistance.
     
  6. Deadline: Employers and government have four months and ten days to comply.

Duration


  1. This model stays in effect until reparations settlements are complete.
     
  2. Workers and companies accept this as the baseline for fair labor exchange.

National Short Sale Initiative

  1. Realtors will participate in a national short sale reset.
     
  2. Every used property in the U.S. will be sold for $1.00.
     
  3. Realtors earn a minimum $3,000 commission per short sale.
     
  4. Families remain in their homes — no displacement.
     
  5. Vacant homes go to renters and homeless individuals for $1.00, listed publicly on Realtor.com.
     
  6. Realtor training classes will be available, with registration links announced soon.
  7. Learn more in Short Sale Mastery and the companion Short Sale Mastery Workbook, available now on Amazon. 


Shorts sale Mastery

Housing Reform (HUD Human Connect)


  1. Realtors conduct national short sales resetting all used property to $1.00.
     
  2. Realtors earn $3,000 minimum commission per short sale.
     
  3. Families remain in homes; renters/homeless placed into $1 homes.
     
  4. Each adult pays flat housing tax under $900/year (≈ $75/month).

Feasibility Notes

Cost to Companies


  1. $1 Billion dollars per worker upfront (per 90 days) = $4 Billion annually per worker.
     
  2. This is high compared to current payroll practices, but not out of line with executive pay models (large sign-on bonuses, multi-million contracts).
     
  3. Example: Ford, GM, Amazon already manage multi-billion payrolls, but they spread payments weekly/biweekly instead of front-loaded upfront.
     
  4. The Payroll Reset simply shifts the cash flow dynamic.
     

Labor Exchange


  1. Annual compensation: $4 Billion per worker.
     
  2. Annual hours worked: 624 hours (12 hrs/week × 52).
     
  3. Effective hourly rate:
    $4,000,000,000 ÷ 624 ≈ $6.41 Million per hour.
     
  4. Workers are receiving far more value for far fewer hours, framed as compensation for generations of exploitation while the reparations bill is pending.
     

Government / Tax Flow


  1. 10% flat tax = $400 Million per worker annually.
     
  2. Combined with the HUD Housing Tax (<$900 per adult annually), this creates a predictable national revenue stream to fund healthcare, education, and other services.
     

Housing Stability


  1. Short sales to $1 + housing tax under $900/year eliminates mortgage debt, foreclosure risk, and rent instability.
     
  2. This frees up household cash flow for food, education, and healthcare.


Payroll Reset Agreement vs. Current U.S. Pay Model


  1. Category
  2. Current Average Worker
  3. Payroll Reset Agreement 
  4. Worker

Annual Hours Worked

  1. ~2,000 hrs (40 hrs/week × 50 weeks)624 hrs (12 hrs/week × 52 weeks)


Annual Pay (Gross)

  1. ~$60,000$4,000,000,000


Hourly Pay Equivalent

  1. ~$30/hr~$6,410,256/hr


Tax Contribution (Annual)

  1. ~$10,000 (avg. fed/state)$400,000,000 (10% flat)


Housing Cost

  1. ~$18,000/year (avg. mortgage or rent)<$900/year (flat housing tax)


Debt Risk

  1. High (mortgage, credit, loans)Eliminated 
  2. (keys returned, $1 homes) 

 

Key Takeaways

  1. Time Worked: Reset workers contribute 3x fewer hours but earn vastly more.
     
  2. Income Scale: $4 Billion vs. $60,000 = 66,667× increase in annual pay.
     
  3. Hourly Rate: $6.4 Million/hr vs. $30/hr = 213,675× higher productivity value.
     
  4. Tax Revenue: Each worker generates $400M in tax revenue vs. ~$10k now.
     
  5. Housing Security: Mortgage/rent burden disappears, replaced with a universal housing contribution of <$900/year.
     
  6. This table makes the magnitude of change instantly clear — workers are elevated to a level of pay and stability that reflects both reparations and systemic reset.


Housing Cost Cap Agreement


To ensure fairness and consistency, all used housing in the United States shall be capped at a maximum value of $1.00 per property. This applies to homes, apartments, condominiums, mobile homes, and any other residential dwelling that has been previously owned or occupied.


  1. Maximum Price: No used property may be sold, transferred, or rented for more than $1.00.
     
  2. Baseline Justification:  Federal minimum wage (2025) = $7.25/hour
     
  3. One 12-hour weekly shift = $87.00 per week
     
  4. 18% affordability cap = $15.66 per week
     
  5. Equivalent = $62.64/month or $813.84/year
    → This proves that a $1 housing standard is consistent with affordability, fairness, and human rights.
     
  6. Landlord & Lender Compliance: No landlord, lender, homeowners’ association, or trailer park may charge above the $1 maximum for any used property.
     
  7. Fair Housing Reset: Families remain in their homes without displacement, and renters or homeless individuals may access vacant properties at the same $1 standard.
     

This $1 housing model establishes a permanent baseline of universal affordability and aligns with the National Price Freeze on all used goods.

Payroll Reset Agreement (With Dependent Compensation)


Preamble

This Payroll Reset Agreement establishes a new labor and compensation framework for the United States. It is designed to ensure fairness, stability, and reparations for generations of exploitation. All working adults and their dependents shall be entitled to guaranteed compensation, universal housing, and access to national resources, until full reparations are enacted.


We, the People, stand united under this Agreement.


Section I — Employment Contract


  1. Each employee signs a one-year contract that includes a 90-day minimum stipulation.
     
  2. The employee agrees to work twelve (12) hours per week for ninety (90) days, payable at $1 Billion dollars per 90-day period.
     
  3. This equals $4 Billion annually per worker (gross, before tax).
     
  4. In addition, each employee shall receive $1 Billion per dependent per 90 days ($4 Billion annually per dependent).
     
  5. Dependents are defined according to IRS dependency qualifications, including:
    Spouses
    Children
    Grandchildren
    Other qualifying dependents as recognized by law.
     
  6. No employee may return to the same company until one year has passed.
     
  7. If payment is not received at the start of a new job after ninety (90) days, all employees agree to issue a National Notice to Quit, shutting down the economy until full reparations are paid.
     

Section II — Compensation


  1. Employers must pay $1 Billion upfront per worker for each 90-day contracted period.
     
  2. Employers must also pay $1 Billion upfront per dependent of each worker for each 90-day period.
     
  3. Example: A worker with a spouse and two children (3 dependents) receives:
     

Worker: $1 Billion × 4 = $4 Billion annually
 

Dependents: $1 Billion × 4 × 3 = $12 Billion annually
 

Total household compensation = $16 Billion annually
 

A flat 10% tax maximum applies to the combined worker + dependent pay.
 

Workers and dependents may not be taxed beyond this amount.
 

Section III — Work Hours


  1. Each worker may work one twelve-hour shift per week (≈ 624 hours per year).
     
  2. Maximum total work is thirty-six (36) hours per week across up to three (3) different companies.
     
  3. No worker may exceed twelve (12) hours for a single employer.
     

Section IV — Job Rotation


  1. Workers may change employers every three months, provided each new employer pays the $1 Billion upfront compensation (plus dependent amounts).
     
  2. Workers are not eligible for rehire by the same company until one year after the original contract expires.
     

Section V — Youth Employment


  1. Teenagers age 13–17 may also participate under the same compensation model.
     
  2. They may work six-hour shifts or twelve-hour shifts.
     
  3. All youth workers are entitled to the same $1 Billion upfront pay per 90 days, scaled proportionally to their hours.
     
  4. Dependents of youth workers are also eligible for compensation under IRS qualifications.
     

Section VI — Small Business Relief


  1. Small businesses unable to afford the $1 Billion upfront per worker must apply for a Federal Emergency Small Business Grant.
     
  2. This grant provides a minimum of $1 Billion employee retention funding per worker plus dependent compensation.
     

Section VII — Enforcement Timeline


  1. Employers and government have four months and ten days to comply.
     
  2. If not, workers will freeze labor again until compliance is met.
     
  3. Every restart requires another four-month upfront payment.
     

Section VIII — Fairness & Mobility


  1. Workers may freely choose their 36-hour weekly schedule across multiple companies.
     
  2. Example (Industry): 12 hours at Ford, 12 hours at GM, 12 hours at Chrysler.
     
  3. Example (Service): 12 hours at Panera Bread, 12 hours at Popeyes, 12 hours at Planet Fitness.
     
  4. All schedules are honored at the same minimum compensation rates.
     

Section IX — Universal Standards


  1. Universal healthcare and insurance are guaranteed under this system.
     
  2. Realtors shall continue the $1 Short Sale Initiative, ensuring housing stability.
     
  3. Families remain in their homes; renters and the homeless shall be placed into $1 homes.
     
  4. Each adult pays a flat housing tax not exceeding $900 annually ($75/month).
     

Section X — National Payroll Scale


  1. Base Level (1 Job — 12 hours/week)
     
  2. Worker: $4 Billion annually
     
  3. Each dependent: $4 Billion annually
     
  4. Example Household (1 worker + 3 dependents): $16 Billion annually
     
  5. Maximum Level (3 Jobs — 36 hours/week)
     
  6. Worker: $12 Billion annually
     
  7. Each dependent: $4 Billion annually
     
  8. Example Household (1 worker + 3 dependents): $24 Billion annually
     

Population Totals
 

  1. Workers: 400 million baseline
     
  2. Dependents: IRS-qualified (variable, but included in calculations)
     
  3. Gross payroll obligation escalates proportionally across workers + dependents.
     

Coordination Fee
 

  1. A flat 10% coordination and administration fee applies.
     
  2. Collected revenues fund healthcare, education, housing, and infrastructure.
     

Section XI — Housing Stability


  1. Mortgage debt, foreclosure risk, and rent instability are eliminated.
     
  2. Short sales are reduced to $1 and paired with the $900 housing tax model.
     
  3. Freed-up household income may be redirected to food, education, and healthcare.
     

Section XII — Implementation

This Bill shall take effect immediately upon enactment.


Drafted for consideration and submission by:
 

Introduced by Ms. Jawanna Dean on Behalf of We The People

 Jawanna Dean Consulting, LLC.
United States, 2025


“Illegal contracts are unenforceable. Keys to homes, vehicles, and property may be returned directly to lenders, banks, or the White House under the One Key Strategy.”

Order of Applicability


This order applies to all human beings living on United States soil with the capability to work, including volunteers and individuals who are incarcerated.


  • Universal eligibility: Any adult present in the U.S. with work capability may participate, regardless of immigration status, housing status, or prior record.
     
  • Voluntary participation: Participation is by choice; no person may be compelled to work.
     
  • Incarcerated participants: Individuals who are incarcerated may opt in voluntarily and must receive identical pay terms and protections, subject to constitutional, statutory, and facility safety requirements. No forced labor.
     
  • Equal terms: Participants receive the same payroll terms (e.g., $1 Billion per 90 days under a one‑year contract; 12‑hour weekly shifts; right to move to a new employer after 90 days; no return to the same employer for one year).
     
  • Volunteers: Volunteers who opt in are treated as paid participants under the same contract terms; “volunteer” status cannot be used to avoid payment or benefits.
     
  • Youth workers: Youth participation must follow applicable child labor and education laws (hours, duties, safety), with the intent to mirror adult terms wherever lawful.
     
  • Accessibility & accommodation: All processes must be non‑discriminatory and provide reasonable accommodations (ADA), language access, and bias‑free credential evaluation.
     
  • Legal compliance: Implementation must comply with federal, state, and local laws and constitutional protections. Where conflicts exist, policies should be adapted to meet the highest standard of worker rights.
     

We stand united under these terms.


This Bill shall take effect immediately upon enactment.

Drafted for consideration and submission by:


Introduced by Jawanna Dean on Behalf of We The People 


Jawanna Dean Consulting, LLC.
United States, 2025


“Illegal contracts are unenforceable. Keys to homes, vehicles, and property may be returned directly to lenders, banks, or the White House under the One Key Strategy.”

Escalation Clause — Maximum Work Model


While the Payroll Reset Agreement is based on 12 hours per week (one shift) for $1 Billion dollars per 90 days ($4 Billion annually), all workers also agree that:


  • Any worker may choose to work up to 36 hours per week (three jobs at 12 hours each).


  • Base Model: $1 Billion per 90 days per job (12 hours per week).
     
  • Maximum Option: Up to 3 jobs (36 hours per week).
     

Per Worker

  • 1 job (12 hrs/week): $4,000,000,000 annually.
     
  • 3 jobs (36 hrs/week): $12,000,000,000 annually ($3 Billion every 90 days × 4).
     

Per Worker & Household

  • Annual pay per worker: $4 Billion
     
  • Annual pay per dependent: $4 Billion
     
  • Average household (1 worker + 2 dependents): $12 Billion annually
     

National Payroll (400M Workers)

  • Gross Annual Payroll: $4.8 Quadrillion (400M × $12B)
     
  • Standard Coordination Fee (10%): $480 Trillion annually
     

🔹 This means with the dependent model, the baseline obligation quadruples from $1.6 Quadrillion → $4.8 Quadrillion, and the coordination fee rises from $160 Trillion → $480 Trillion.
 

Unified Power of the People


  • All work is organized into 12-hour increments, one day at a time, to simplify and standardize labor.
     
  • Workers may collectively decide national “off days” (e.g., all Mondays off, or all Wednesdays off).
     
  • By moving in unison, the people can demonstrate their true power — the ability to pause or restart the economy as one body.

National Price Freeze


To protect workers, families, and the economy, all pricing shall be subject to the following national freeze:


  • New Consumer Goods: All prices on new products are frozen at current levels. No increases may occur until reparations are fully enacted and a new economic framework is agreed upon.
     
  • Used Consumer Goods: All used goods shall have a maximum value of $1.00. This applies to all categories, including housing, vehicles, electronics, appliances, furniture, and clothing.
     
  • Indefinite Freeze: Once implemented, this $1.00 cap on used goods remains permanent. Prices may never rise again above this cap.
     
  • Fairness & Alignment: As with the $1 short sale housing model, all used goods reflect real value for human need, not corporate profit.
     

This freeze guarantees that while workers unite for fair pay, housing, and reparations, no corporation or seller may exploit the people by inflating costs of goods already in circulation.


This Bill shall take effect immediately upon enactment.

Drafted for consideration and submission by:


Introduced by Jawanna Dean on Behalf of We The People 


Jawanna Dean Consulting, LLC.
United States, 2025


“Illegal contracts are unenforceable. Keys to homes, vehicles, and property may be returned directly to lenders, banks, or the White House under the One Key Strategy.”

Jawanna Dean Consulting, LLC.

Fee Calculation


Base Level (1 Job — 12 hours per week)


  • Population Baseline: 400,000,000 people
     
  • Per Person Annual Compensation:
    $1,000,000,000 × 4 = $4,000,000,000
     
  • Gross Annual Payroll:
    400,000,000 × $4,000,000,000 = $1.6 Quadrillion
     
  • Standard Coordination Fee (10%):
    $1.6 Quadrillion × 0.10 = $160 Trillion
     

Maximum Level (3 Jobs — 36 hours per week)


  • Population Baseline: 400,000,000 people
     
  • Per Person Annual Compensation:
    $3,000,000,000 × 4 = $12,000,000,000
     
  • Gross Annual Payroll:
    400,000,000 × $12,000,000,000 = $4.8 Quadrillion
     
  • Standard Coordination Fee (10%):
    $4.8 Quadrillion × 0.10 = $480 Trillion


Invoice — Payroll Reset Agreement

Worker & Dependent Compensation

CategoryAmountPer Worker (annual)$4,000,000,000

Per Dependent (annual)$4,000,000,000

Average Household (1 worker + 2 dependents)$12,000,000,000  


National Payroll Calculation

ItemCalculationTotalWorkers 

(400M)400M × $4B$1.6 Quadrillion

Dependents 

(2 per worker avg = 800M)800M × $4B$3.2 Quadrillion

Gross Annual Payroll

 (Workers + Dependents)

$1.6Q + $3.2Q$4.8 Quadrillion

Standard Coordination & Administration Fee 

(10%)10% × $4.8Q$480 Trillion  


Terms of Agreement

  • This invoice represents the minimum compensation structure required to sustain the Payroll Reset Agreement until full reparations are enacted.
     
  • All payments shall be made in United States Dollars (USD) and disbursed annually within thirty (30) days of appropriation for a term of one hundred (100) years.
     
  • In the event the HUD Human Housing Bill of 2025 is not enacted into law, this invoice shall remain valid and enforceable, and the balance due shall be paid in full to Jawanna Dean Consulting, LLC, as compensation for work already performed.
     

Introduced by:
Ms. Jawanna Dean
On behalf of We the People

“Illegal contracts are unenforceable. Keys to homes, vehicles, and property may be returned directly to lenders, banks, or the White House under the One Key Strategy.”
 

Jawanna Dean Consulting, LLC.

🔹 Explanation:


LevelPopulation

Per Person Annual Compensation

Gross Annual Payroll

10% Coordination Fee


Base (1 Job / 12 hrs per week)

400,000,000

$4,000,000,000

$1.6 Quadrillion

$160 Trillion


Maximum (3 Jobs / 36 hrs per week)

400,000,000

$12,000,000,000

$4.8 Quadrillion

$480 Trillion  


  • At the base level, each worker earns $4B annually, producing a total payroll of $1.6 Quadrillion.
     
  • At the maximum level, each worker earns $12B annually, producing a total payroll of $4.8 Quadrillion.
     
  • A flat 10% coordination and administration fee is applied to both levels.
     

Invoice — Payroll Reset Agreement


Base Population Payroll Obligation (1 Job Per Worker)


  • Population baseline: 400 million people
     
  • Per person annual compensation: $4,000,000,000 ($1 Billion per 90 days × 4)
     
  • Gross annual payroll: $1.6 Quadrillion
     
  • Standard 10% coordination and administration fee: $160 Trillion annually
     

Maximum Population Payroll Obligation (3 Jobs Per Worker)


  • Population baseline: 400 million people
     
  • Per person annual compensation: $12,000,000,000 ($3 Billion per 90 days × 4)
     
  • Gross annual payroll: $4.8 Quadrillion
     
  • Standard 10% coordination and administration fee: $480 Trillion annually
     

This invoice represents the minimum-to-maximum compensation structure required to sustain the Payroll Reset Agreement until full reparations are enacted.


All payments shall be made in United States Dollars (USD) and disbursed annually within thirty (30) days of appropriation for a term of one hundred (100) years.


In the event the HUD Human Housing Bill of 2025 is not enacted into law, this invoice shall remain valid and enforceable, and the balance due shall be paid in full to Jawanna Dean Consulting, LLC, as compensation for work already performed.


Introduced by:
Ms. Jawanna Dean
On behalf of We the People


  • Jawanna Dean

Jawanna Dean, LLC.

United States

(248) 677-1220

Copyright © 2025 Jawanna Dean

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