Individuals have the opportunity to redirect their wealth into personal investments, such as homes, instead of contributing to government coffers, which often misallocate stimulus funds. There's a need for creative financial schemes that motivate this redirection while being tax-efficient. As baby boomers hold significant wealth that will be passed on, it's crucial to think strategically about its long-term economic impact, rather than allowing it to stagnate in government hands, where inefficiencies and high transaction costs hinder effective stimulus action.

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