here to explain is former economic advisor to president trump steve moore, senior fellow at the heritage foundation. stevente house is talking about four different ideas and the number one one that is going to have a lot of people interested is tax-free savings accounts. explain how that would work. >> let me just first say that the tax plan that we passed in 2017, you are exactly right, steve, has been a phenomenal success. we have the best economy in the world today. we have 7 million surplus jobs. incomes are up by about $5,000 for middle class families, plures the $2,000 tax cut that middle class families with children receive. it was a big deal. and i cringe when i hear democrats say the first thing they would do is repeal that tax cut. now, it is time for trump, in my opinion, to call for a second tax cut for his second term. and one of the central features of that would be, what i call universal savings account. people with incomes of up to, say, about $150,000 would be able to save up to $10,000 per year, steve, without paying tax on that money. and what i think is very attractive about that is we