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In Our Hands : A Plan To Replace The Welfare State Kindle Edition

4.3 4.3 out of 5 stars 143 ratings

America's population is wealthier than any in history. Every year, the American government redistributes more than a trillion dollars of that wealth to provide for retirement, health care, and the alleviation of poverty. We still have millions of people without comfortable retirements, without adequate health care, and living in poverty. Only a government can spend so much money so ineffectually. The solution is to give the money to the people.

This is the Plan, a radical new approach to social policy that defies any partisan label. Murray suggests eliminating all welfare transfer programs at the federal, state, and local levels and substituting an annual $10,000 cash grant to everyone age twenty-one or older. In Our Hands describes the financial feasibility of the Plan and its effects on retirement, health care, poverty, marriage and family, work, neighborhoods and civil society.

Editorial Reviews

From Publishers Weekly

Libertarian Murray's Losing Ground laid the groundwork for controversial welfare reform proposals. His latest volume continues in the same vein, positing that government support has exacerbated dysfunctional underclass behavior, and offering a compromise to social democrats who call starve-the-beast policies cruel. In "The Plan," all the money currently used in transfer programs Murray doesn't deem universal (Social Security, agricultural subsidies, corporate welfare, as opposed to national defense, clean air, etc.) would be redirected into a new program that gives each citizen an annual $10,000 cash grant, beginning at age 21. The plan would slice one Gordian knot: everyone would be required to buy health insurance, insurers would have to treat the entire population as a single pool and changes in tort and licensing laws would enable low-cost clinics for minor problems. But Murray's purposes are larger: to enable the search for a vocation by making it easier to change jobs; to encourage marriage among low-income people; and to move social welfare support from bureaucracies back to Tocquevillian civil society—a nostalgic argument that deserves a more cyber-era analysis. His volume makes an intriguing contrast to 1999's left-meets-libertarian book The Stakeholder Society (unmentioned by Murray), which proposed $80,000 grants, financed by taxing the rich. Given Murray's track record—he coauthored The Bell Curve—and his think tank backing, expect much discussion of this book in print and on air. (Mar.)
Copyright © Reed Business Information, a division of Reed Elsevier Inc. All rights reserved.

From Booklist

Murray has ardently advocated scrapping the welfare state since well before his best-seller Losing Ground (1984) cogently argued that welfare harms recipients. He has been criticized most for not proposing something to replace welfare. Now he does. Give $10,000 (to begin with) per year, tax free, to every adult over 21, with the stipulation that $3,000 of it be spent on health insurance and the strong recommendation that $2,000 be invested toward retirement income. Once an individual's earned income reaches $25,000, surtax on the grant begins, and those making $50,000 and more would pay back half the grant. The grant plan is accompanied by not that many legal changes, and they're worth doing, anyway (e.g., creating a single pool of the insured for health insurance, greatly compressing rate differentials). After a first few expensive years, the plan would develop much less expensively than the present welfare system. Gone would be Social Security, Medicare, and the rest, and everyone would have at least $5,000 annual discretionary income. Sweet? As lucidly argued by Murray, seems practical, too. Ray Olson
Copyright © American Library Association. All rights reserved

Product details

  • ASIN ‏ : ‎ B001RIY84S
  • Publisher ‏ : ‎ Aei Press (February 21, 2006)
  • Publication date ‏ : ‎ February 21, 2006
  • Language ‏ : ‎ English
  • File size ‏ : ‎ 1993 KB
  • Text-to-Speech ‏ : ‎ Not enabled
  • Enhanced typesetting ‏ : ‎ Not Enabled
  • X-Ray ‏ : ‎ Not Enabled
  • Word Wise ‏ : ‎ Enabled
  • Print length ‏ : ‎ 214 pages
  • Customer Reviews:
    4.3 4.3 out of 5 stars 143 ratings

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Charles Murray
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Charles Murray is a political scientist, author, and libertarian. He first came to national attention in 1984 with the publication of "Losing Ground," which has been credited as the intellectual foundation for the Welfare Reform Act of 1996. His 1994 New York Times bestseller, "The Bell Curve" (Free Press, 1994), coauthored with the late Richard J. Herrnstein, sparked heated controversy for its analysis of the role of IQ in shaping America's class structure. Murray's other books include "What It Means to Be a Libertarian" (1997), "Human Accomplishment" (2003), "In Our Hands" (2006), and "Real Education" (2008). His 2012 book, "Coming Apart" (Crown Forum, 2012), describes an unprecedented divergence in American classes over the last half century. His most recent book is "By the People: Rebuilding Liberty Without Permission" (Crown Forum, 2015).

Customer reviews

4.3 out of 5 stars
143 global ratings

Customers say

Customers find the book thought-provoking, with useful insights. They also describe it as a great and interesting read.

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7 customers mention "Thought provoking"7 positive0 negative

Customers find the book thought-provoking. They appreciate the useful insights in the introduction and chapters 11. and 12. Readers also mention that the author is nimble and open in his thinking. They say the presentation of a very good idea is terrific.

"...His arguments are persuasive to me, but I can't work through their nuances or address the many obvious objections to the idea of a no-strings-..." Read more

"...One of the sharpest thinkers of our time, Murray is nimble and open in his thinking, while at the same time deeply rooted in vales that stand the..." Read more

"...I thought his solution to be sound, but because of the useful insights in his Introduction, Chapters 11.and 12." Read more

"As with all of his books a truly thoughtful idea, considering the trade offs, this could really work...." Read more

6 customers mention "Readability"6 positive0 negative

Customers find the book great and interesting.

"Great read. Interesting to see some countries experimenting with this idea." Read more

"...material prosperity commonplace will find this book well worth the quick and stimulating read that it is." Read more

"Excellent read. Became interested in Charles Murray in all the 1st amendment protest against him...." Read more

"...The man came to the point and made me think.Great read." Read more

Top reviews from the United States

Reviewed in the United States on December 10, 2016
Murray, a libertarian, says the government should do what the government does best -- write checks! He proposes the government should supply a stipend for every adult. This starts at 10,000, plus 3,000 dedicated to health insurance, no strings attached. This amount, he proposes, would constitute a living (if meager) income for everyone. The stipend gradually reduces to nil once the total income of an individual reaches $60,000. In exchange, all government programs should be eliminated, including social security, medicare, and medicaid.

He maintains that this plan will change major dynamics of our society. For example, it will minimize government influence to achieve soi-disant desirable ends through the power of the purse. It will, he maintains, incentivize individuals to make responsible decisions. For instance, it will encourage people to form stable relationships, because two can live better on $20,000 per year than one on $10,000. He says this no-strings-attached stipend will incentivize private charity, as was the norm through the early part of the Twentieth Century. He describes other ramifications of this plan which will, generally empower individuals, and reduce their dependence on government programs.

His arguments are persuasive to me, but I can't work through their nuances or address the many obvious objections to the idea of a no-strings-attached stipend for everyone in a brief review. The book itself, though, works through many of these and outlines the wide scope of changes that such a plan would bring about. No matter whether the reader agrees with the conclusions or not, the book may stimulate thought and discussion.
20 people found this helpful
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Reviewed in the United States on April 13, 2024
A pity the politicians don't pay attention
Reviewed in the United States on January 23, 2007
I have come to believe that the welfare state is nothing more than a vehicle for egalitarians to transfer income from producers to non producers, not an effort to provide for the poor but as a method to take from the wealthy...and I think this book proves that.

This book presents a plan that would do away with all current transfer programs by the government and replace them with a yearly grant of $ 10,000.00 with the proviso that $3,000 of it is used on health insurance and that $2,000 be invested toward retirement. The concept is that individuals would be more efficient and the transfers a moral method in dealing with the issue of social welfare. It is pointed out that this form of transfer would foster a return to a Tocquevillian civil society, where individuals freely provided social safety nets rather have them imposed compulsorily by government. I enjoyed Murray's discussion of the view of morality described by Thomas Jefferson, Adam Smith and Edmund Burke. This to me clarifies the difference between libertarians and communitarians. I see communitarians arguing that a state must impose the social safety net while libertarians believe that the arrangements come about naturally by individuals themselves, like the invisible hand of God.

We are asked in the beginning of the book to suspend our disbelief and consider the plan to be nothing more than a thought experiment, then once the plan is laid out Murray provides interesting points on why the plan is not only feasible but a realistic possibility considering rapid changes in technology, economic growth and political disenchantment.
7 people found this helpful
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Reviewed in the United States on January 16, 2007
We need more books like "In our Hands," a bold thought experiment, which questions the underlying assumptions of our current welfare state.

In an era, when we can no longer truly hope for "reform" of our national economy, except through the minor adjustments of economic instruments favored by one administration over another, Charles Murray challenges us to question our tactics for fighting poverty.

If we want to give money to the poor, in order to give them a "leg up," why don't we just give them a lump sum? Why do we distribute the money through several different government programs? And, why do we give it out piecemeal?

Murray's book is short, because his idea and his premises are so simple and straightforward.

The unfortunate effect of Murray's book is the uncomfortable realization that his "$10,000 solution" makes so much sense that it won't be approved by Capitol Hill.

Of course, Murray realizes this. But, his counterpoint is even more ingenius. If we acknowledge now that the 5 trillion dollars we have spent in the War on Poverty has had no effect, then there is hope that after we have spent 10 trillion with no effect, we will actually take steps to change our tactics. At that time, the "$10,000 solution" will look like the most attractive option.
4 people found this helpful
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Reviewed in the United States on June 21, 2017
Perhaps this is an idea whose time is ripe. Now that a Canadian province and the state of Hawaii are implementing this idea, it's time for the author to update the book with the latest facts and figures. More on the benefits and less on the charts and graphs would also help.
3 people found this helpful
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Reviewed in the United States on May 20, 2017
Great read. Interesting to see some countries experimenting with this idea.
Reviewed in the United States on April 17, 2017
Dr. Murray has done it again-- a 'radical' but easy to understand blueprint for massive reform of 'entitlements' AND the rebirth of civil society in the USA. The latter, of course, took an awful beating these past 50 years in the wake of the "Great Society" growth of the Federal leviathan and the profound changes in American social norms & mores! As the author candidly laments, it's a shame NO politician has the courage of their convictions to actually open a dialogue with the American people about the coming choice between reforms such as those he advocates OR the bankruptcy of the Federal government. Like it or not, folks, that's the coming choice (see, e.g. The insolvency of Social Security in 2032, etc....) With actuarial shortfalls north of $200 TRILLION in the next 75+ years, Medicare-Medicaid-Social (In)Security don't have a future as presently constituted....Read this TODAY-- then contact your Congressperson & Senators!
One person found this helpful
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Top reviews from other countries

elliot wilson
4.0 out of 5 stars very interesting text but murray doesint spend enough time dealing ...
Reviewed in Canada on January 12, 2017
very interesting text but murray doesint spend enough time dealing with counter arguments or viewing the other side which is a bit frustrating.
Mr Andrew W N Probert
5.0 out of 5 stars A gem of a book
Reviewed in the United Kingdom on May 2, 2012
This book puts forward an idea that will never (probably) be taken up by politicians but which solves a whole host of social and economic problems. It will also probably annoy those on both the political left and right alike! For me, as a policy advisor, it was a revelation and has completely changed my view on benefits systems. Charles Murray argues his case steadily and logically, the only drawback being that his examples are based on the USA, where, although the problems are applicably to the UK and elsewhere, the mechanisms are different (we have the NHS for example), so some of the ideas have to be 'translated across' (an interesting intellectual exercise). It's a core book for our times - and the 'flat benefits' idea goes will with ones on 'flat taxes' - and it is an easy read.

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