Peace, that would be, in theory, a great idea. Probably never convince the government to go along, they would rather collect than give. As far as the point about disposable income, agreed, I was only referring to those poor who were in the position to buy their own home or who already own their own home. Bobert was stating that there are in fact those poor who are in this position. I personally would think it would be virtually impossible for anyone making less than $18,000 to afford to own or hang onto (for those who inherit) a home. It just costs too much per month, heck, property taxes alone can cost a minimum of $250/mth here, let alone some of the larger cities. Plus they could never come up with the down payment without robbing a bank or hitting up a hell of a lot of tourists for loose change.