
I see a lot of discussion about what the government should do with the $1 trillion dollars that DOGE intends to save by reducing wasteful government spending. In fact, this is not a meaningful question, as even in the unlikely scenario where DOGE achieves $1 trillion in saving, there would be no money available to disburse.
Of course the government can send checks to the public if it wishes to. But that’s not because it has “money” in the ordinary definition of the term, it is because it is able to borrow money. Assume the following data:
Federal spending = $6.2 trillion
Federal revenues = $4.4 trillion
Federal borrowing (budget deficit) = $1.8 trillion
If DOGE were able to reduce spending by $1 trillion, cutting the total down to $5.2 trillion, then the budget deficit would fall to $800 billion. But that would not mean that the government had $1 trillion dollars in cash that it could disburse as it wishes, rather it would mean the federal government was borrowing $1 trillion less than before.
The federal government could decide to go ahead and borrow the same $1.8 trillion that it was borrowing before DOGE made its savings, and they could then distribute $1 trillion to the public in transfer payments. But in that case, they’d merely be substituting one form of federal expenditure for another, essentially creating a new UBI spending program. Total government spending would remain at $6.2 trillion. What would that accomplish?
I recently saw Elon Musk give an impassioned speech to Trump’s cabinet indicating that the budget deficit was unsustainable:
Elon Musk takes aim at national debt, warns of ‘de facto bankruptcy’ without DOGE: ‘$2 trillion in deficits’
That may be a bit extreme, but he’s right that the budget deficit is a major problem. For that reason, it would make no sense to return the saving to the public, as the deficit problem would remain as large as ever. Of course the fact that something is illogical no longer has any implication in today’s America:
Trump, Musk float idea of $5,000 ‘DOGE dividend’ checks. Here’s what experts say
Again, there is no money to give back to the public. The federal cookie jar is empty.
OK, so what’s the counterargument to my post? How could someone defend the proposal to refund $1 trillion to the public? The argument would have several components:
1. First, you’d argue that the budget deficit is not a real problem, and that there’s no reason to reduce our current deficit of $1.8 trillion. You might cite some sort of MMT model. Obviously I think that’s wrong, but let’s go with this assumption for the moment.
2. Second, you’d have to argue that we’d be better off reducing spending on current programs by $1 trillion, and increasing spending on “transfers to the public” by $1 trillion.
As a practical matter, any $1 trillion reduction in federal spending is likely to almost entirely come from reductions in various entitlement programs like Social Security, Medicare and Medicaid. That’s because the GOP doesn’t want to cut defense, and interest payments are a contractual obligation than cannot be cut. The remaining programs are relatively small, and also unlikely to be cut—at least in aggregate, some will be cut (foreign aid) and some will be increased (border security.)
For this sort of plan to make sense, you’d have to argue that it’s better to give every adult a check for roughly $5000, rather than disburse the same amount of money to a subset of the adult population through various retirement, medical and welfare programs.
I hope you see the bizarre nature of this proposal. In order to advocate refunding $1 trillion to the public from DOGE savings, you must buy into not one but two controversial theories. Furthermore, these theories are from opposite sides of the political spectrum. The theory that huge deficits don’t matter is a far left idea associated with MMTers. The theory that programs like Social Security and Medicare are bad is associated with those on the far right.
I’ve met many people who hold one of these two views. But I don’t recall ever meeting a single person that holds both of these views. And yet to favor refunding this so-called “money” to the public, you’d have to simultaneously hold both views.
I find that people often have trouble thinking about two topics at the same time. One topic is the size of the budget deficit. The other topic is the proper role of government. Let me explain with the following example. Suppose someone argued that America would be better off replacing $1 trillion in federal spending on various programs with $1 trillion spent on a new $5000/person UBI program. Based on what I have said in the post above, you might assume that I’d regard this change as undesirable. Not necessarily. It’s very possible that a UBI program would be superior to current government uses of this borrowed money. But I would also argue that an even better solution would be to not borrow the money in the first place.
Suppose my wife told me that she had just gone to the bank and borrowed 1.8 million dollars. Then she asked me what we should do with the money. Should we buy stocks, bonds, Bitcoin, property? I would not respond to this question by considering possible uses for $1.8 million, I’d ask her why the heck did she decide to borrow $1.8 million?
Yes, a UBI program might be nice. But who’s going to pay for it? Cutting government spending by $1 trillion doesn’t free up money for a UBI program, it doesn’t even reduce our national debt. All it does is slow the rate at which our national debt is increasing. We are so deep in a hole that even painful sacrifices will provide little immediate benefit. The fact that policymakers hold out “visions of sugarplums” shows how deeply unserious our politics has become.
READER COMMENTS
Andrew
Feb 27 2025 at 9:12pm
Is it possible they meant permanently cut the deficit by 1 trillion but give the doge dividend for only the first year?
Scott Sumner
Feb 28 2025 at 12:42pm
“Is it possible they meant”
I’m not sure it’s useful to try to figure out what politicians mean, at least not in America.
Craig
Feb 27 2025 at 10:17pm
Sardonically funny. It made me laugh and laugh and laugh ….
“But I would also argue that an even better solution would be to not borrow the money in the first place.”
……and it shouldn’t be funny but it is because of thebutter absurdity of it all…..
Jose Pablo
Feb 28 2025 at 12:23am
Of course, what Musk and Trump are saying about distributing the ‘savings’ is complete nonsense—pure populism.
But let’s imagine the government decides to cut taxes by the same amount as the savings. The deficit would still be $1.8 trillion, but given that the opportunity cost for taxpayers is far greater than the interest rate on government debt, how does that make American taxpayers worse off?
The real issue is that government spending is funded through taxation, which carries a high opportunity cost—far greater than the interest rate on government debt. This is especially true given the “progressive“ structure of the tax code.
Deficits, at the very least, provide a partial solution by allowing the government to finance spending with the lowest opportunity cost money available.
That’s a far better approach than relying on taxpayer money, which comes at a significantly higher opportunity cost, to fund government expenditures
Jose Pablo
Feb 28 2025 at 12:37am
We are so deep in a hole that even painful sacrifices will provide little immediate benefit
In fact, we would be in an even deeper hole if government expenditures had been fully financed through taxation.
The problem is that the cost (and risks) of government debt are visible, while the much higher cost (and lost opportunities) of collected taxes remain unseen.
Craig
Feb 28 2025 at 7:57am
The spending remains the true taxation.
Jose Pablo
Feb 28 2025 at 9:23am
Right! Government spending is a drag on the economy.
However, it’s a smaller drag when financed through low-opportunity-cost government debt rather than taxation.
Scott Sumner
Feb 28 2025 at 12:43pm
100% of spending is financed by current and future taxes–there is no free lunch.
Richard A.
Feb 28 2025 at 1:11pm
This is what Milton Friedman has to say on the real cost of government.
Jose Pablo
Feb 28 2025 at 8:31pm
there is no free lunch.
Maybe not. However the average return on invested capital (ROIC) for American companies is 10%. Financing American investments (through lower taxes) with 4.2% debt interest rate, is about as close as you can get to a free lunch.
100% of spending is financed by current and future taxes
Well, that might be true. But this theory does a poor job explaining how the U.S. government has financed its spending over the past 55 years. Since 1970, the federal government has run deficits in every fiscal year except for four (1998–2001).
An alternative perspective is that government spending can be financed by both current and future debt. And, judging by the past 55 years, this theory is, no doubt, closer to reality.
I take no firm stance on either theory. But what I do know is that it’s better to finance spending with funds that cost 4% (government debt) rather than with funds that have a 10% opportunity cost (taxes).
Craig
Mar 1 2025 at 12:20am
“Maybe not. However the average return on invested capital (ROIC) for American companies is 10%. Financing American investments (through lower taxes) with 4.2% debt interest rate, is about as close as you can get to a free lunch.”
You can basically pick your rate of return by how much debt/leverage you’re willing to carry, but for purposes of simplicity let’s just take the 10% number. Of course you might say, “Well, instead of paying the tax, the government borrows the dollar and then the relieved taxpayer invests the dollar @ 10%” — ok, I get it, but here’s the thing, the reason the return on investment is 10% is because “it HAS to be” because if it isn’t there’s no reason not to throw that dollar into bonds but for which people would be willing to make investments at 9%, 8%, 7%, etc. So if you say to me, “Gee Craig let’s do this deal where we make 7%” I’m gonna say, “Uh, no, JP, why would I do that if I can earn 4.75% on an FDIC backed money market from Santander [often an indirect investment in treasuries]’? And then maybe we do it, how? We inject risk into that deal with leverage because we HAVE to get 10%.
Jose Pablo
Mar 2 2025 at 1:38pm
ROIC has nothing to do with “how much debt or leverage you’re willing to carry”.
It represents the return on your deployed capital and is independent of how you finance your investments.
JoeF
Feb 28 2025 at 7:32am
As I read it (following the links you provided), the proposal is to attempt to save UP TO two trillion annually (via DOGE spending cuts) and POSSIBLY refund (at most) 20% of that (maybe just once, as pointed out by an earlier commenter). To me, these proposals seem very encouraging compared to the status quo.
Scott Sumner
Feb 28 2025 at 12:45pm
“To me, these proposals seem very encouraging compared to the status quo.”
Except that they clearly are not serious. These proposals seem to be nothing more than publicity stunts.
steve
Feb 28 2025 at 12:45pm
We are already sitting on a bunch of debt. So the proper analogy is that your wife has already run up $50 million in debt, then goes out to borrow another $1.8 million. This is just populism/marketing. Trump will make sure his signature is on the $5,000 checks and people will laud him for giving them (free) money.
Steve
Jose Pablo
Feb 28 2025 at 9:08pm
So the proper analogy is that your wife has already run up $50 million in debt, then goes out to borrow another $1.8 million
If this is “the proper analogy”, then why is the bank willing to lend Scott’s wife another $1.8 trillion at such a low interest rate (4.2%)?
And without requiring any collateral
And without including any covenant
Are Scott’s wife’s bankers a bunch of fools with no understanding of their own business and no skin in the game?
That seems unlikely. After all, lending to the wives of economics professors is their business—and they make a very decent living out of it.
Scott H.
Mar 2 2025 at 11:30am
Elon’s restructure spending strategy cannot get to $1T per year because it cannot meaningfully alter entitlements. Even if Elon could get to $1T, the Republicans’ starve the beast strategy is insane.
Jose Pablo
Mar 2 2025 at 2:12pm
In fact, the “proper analogy” for the deficit would be the government sending every taxpayer a letter along these lines:
Dear Taxpayer,
You owe $100 to cover this year’s government spending. Please send $73 now.
For the remaining $27, I will issue public debt, giving you two options:
One: buy $27 of government debt. If you do so the cost of servicing this debt (interest payment and payback principal) will have no impact of your future net payments to me (tax payments less interest+principal received). This is advisable if your opportunity cost is below the government’s borrowing rate (~4%).
Or two: if your opportunity cost is higher than this, keep the money and invest or spend it elsewhere.
This debt I am issuing will:
Be issued at the lowest available cost
Have no covenants
Have no collateral
I will adjust your future contribution to the service of this debt based on your future earnings—you will pay less than this $27 if you earn less than this year’s earnings, and more if you earn more. This mechanism effectively provides you with very valuable insurance against bad times as far as the payment of interest and principal of this debt is concerned.
I want you to be aware that some brilliant minds argue that this system is unsustainable. That may be true. However, I would like you to consider:
For nearly 60 years, it has worked without issue.
If it ever becomes unsustainable, you would simply have to pay the full $100 upfront.
I believe that stopping me from providing these options now only to prevent the possibility of not being able to provide them in the future, makes little logical sense. I hope you agree.
Yours faithfully,The Government
Scott H.
Mar 2 2025 at 10:08pm
I did have one more thought on this…
Elon’s ‘unsustainable’ comment plus tax cuts could make sense if you look at it this way: all else equal, lower taxes give a slight edge to GDP growth. It’s not about dodging crashes or guaranteeing booms—stuff happens. But leave more money for saving and investing, and the economy’s a bit bigger than it’d be otherwise. Think of a guy keeping $1,000 today; he saves some, and he’s better off later. Pair that with a $2 trillion spending cut, and the same $1.8 trillion debt addition gets easier to carry. Elon hasn’t saved squat yet—this is just a thought—but the potential’s not nothing.
Comments are closed.