Episode 222

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Published on:

25th May 2026

AI Is Destroying the Work Contract — Can UBI Replace It?

A third of American workers are one missed paycheck from crisis, and AI is repricing the assumption that human labor has permanent value faster than any safety net can respond. Jerremy Alexander Newsome and Dave Conley open their UBI series by naming what dissolved the American Dream contract — work hard, buy a house, build something — and argue it was always built on the premise that time and effort would hold their worth. Three real-world experiments — the Alaska Permanent Fund, the Cherokee Nation dividend, and the 2021 Child Tax Credit — all point the same direction: give people a floor and they don't get lazy, they get free. The harder question isn't whether it works — it's who runs it, what they want in return, and what it costs either way.

Timestamps:

  • (00:00) Free lunch or global socialism – which one does UBI actually deliver?
  • (02:37) The dissolving deal – AI reprices the American labor contract, fast
  • (08:14) Trust at historic lows – one-third of workers one paycheck from collapse
  • (12:06) Funding the floor – loopholes, tax reform, and the negative income tax
  • (16:12) $1,500 hits your account tomorrow – what changes and what doesn't
  • (19:00) The $15,000 threshold – where financial freedom starts feeling real

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Transcript
Jerremy Newsome:

Ladies and gentlemen, welcome to another series

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of Solving America's Problems.

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I am quite excited about diving in,

learning more, and peeling back the

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curtain to unlimited free lunch, where

money is just created out of thin

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air and just handed to people, and we

step into a brighter future of less

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work, more time, more money, opulence,

more abundance, Or global socialism.

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Which one's gonna happen?

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We're gonna get to

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Dave Conley: Or disaster.

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It c-, it could be either way.

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Jerremy Newsome: It's gonna

be a beautiful discussion as

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Dave Conley: Oh my goodness.

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Jerremy Newsome: and we'll just

dive into UBI, which stands

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for Universal Basic Income.

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we've already had some

mindsets shift, which is fun.

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We've always had...

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already had some cool

discussions about it,

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Dave Conley: Yeah.

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Jerremy Newsome: now we

get to learn even more.

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Dave Conley: I'm stoked

to-- I'll take that back.

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When you, when, So behind the scenes

here, like we, w- we're, we have a list

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of like topics that we like to cover

because, like we cover these topics

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over, five, six weeks, have a bunch of

different guests and, there's a bunch on

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there "Oh, wouldn't it be cool to do this?

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Who-- Wouldn't it be cool to do this?"

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Like our last one was on, wrapping up

and people are listening to this is

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on, on, like the work situation coming

into:

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turned into this big AI discussion.

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And, when I was, hitting you up a few

weeks ago, I was like, "Hey, what's next?"

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start the research.

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And you went UBI, and on

the inside I went, " Ugh."

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I'm like, "No."

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And, but, soldier up, put on your big

boy pants, and I started looking at

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it and started digging it, started

doing the research, and I started

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getting really excited about this.

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And I hope this excitement comes through

because I already have, some changes

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of attitude, changes of thinking on

it, and I'm really, I think this is

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gonna be like really clutch and really

important coming off of, the discussions

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about, work and, the social contract.

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What does it mean?

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I say a lot about is something

a pro-human or anti-human?

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That's where I see the world.

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I put it through those two lenses

first, and UBI is one of those

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definitely pro-human things.

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I don't know.

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What sort of was your, W- what

were you thinking when I was

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like, "Hey, what's the topic?"

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And you're like, "Oh man,

can't wait to hit up UBI."

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What was what's your

origin story on this, Mr.

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Superhero?

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Jerremy Newsome: Yeah,

no, it's it is that, man.

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It's the, it, it's the excitement

of if we get this correct and we

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really nail it from either a policy

standpoint, a company standpoint,

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corporate standpoint, political

standpoint Human standpoint, right?

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We can do really beautiful

things with this idea,

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There's al-already versions of

it that I don't think people have

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either realized or tapped into or

figured out or become truly aware of.

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We already are sprinkling around it.

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And although I don't know and I haven't

found the person who was 100% originally

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the, the thought leader of UBI or the

creator of that term, but what I can

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say is a really unique concept, and

it's a concept that probably didn't

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really as extremely prevalent as it is

now until the machine, AI, robot doing

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all the work for you really took over,

because that's the other aspect to this,

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is it has to be in connection with...

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In my opinion, there has to be some

level of connection to humans do not

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have to do as much physical work,

therefore, there is something that is

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able to create income for them, whatever

that is or whatever that might be.

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Dave Conley: So maybe we kick this

off with what the, what our thesis is,

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because this is gonna be like the running

theme through this, how we're gonna be

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introducing this, how we're gonna get

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Jerremy Newsome: Yep.

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Dave Conley: like the pros and

the cons the experts and the

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everyday folks around this.

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So what

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Jerremy Newsome: Yeah.

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Dave Conley: Star, you

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Jerremy Newsome: Yeah.

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Dave Conley: lay it out for us?

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Jerremy Newsome: Here's...

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So here's the deal that held

America together for a century.

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It's dissolving.

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So this w- That's what we talked

about in the previous series.

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Work hard, a living,

build something, right?

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Go to work for a long time, buy

your house, create a business,

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and that contract assumed that

human labor had permanent value.

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Dave Conley: Yeah.

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A-and it was that we trade ti-

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Jerremy Newsome: Yeah.

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Dave Conley: yeah, we ta- we

trade time and effort for wages.

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Jerremy Newsome: Yep.

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Yep.

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Precisely.

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Precisely.

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So artificial intelligence, AKA AI,

is gonna reprice that assumption

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faster than any policy school

or safety net can respond to.

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So universal basic income

kept popping up as an answer

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or some level of are there going

to be people displaced from work?

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Answer, yes.

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How many of them?

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How quickly, over what period of time?

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Those are the numbers we don't have

the answers to precisely, but again,

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kept popping up and reemerging as

a solution, a potential solution.

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And we have data presently from Alaska

49th state in the United States, I

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Dave Conley: Yeah.

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Jerremy Newsome: the Cherokee

Nation which is quite fascinating.

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And then you have the

:

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Dave Conley: Huge.

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Jerremy Newsome: Those three aspects,

those three policy decisions, let's call

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it, actually says that UBI can work.

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Dave Conley: Yeah.

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Jerremy Newsome: get lazy.

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they become released.

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They become free to do what

they actually want to do.

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so the question that I think our audience

is gonna carry into the conversation isn't

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whether it works, because I believe that

the inherent core human desire, everyone

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I've always talked to about their money

goals and their trading goals, they're

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always like I want financial freedom."

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Dave Conley: Yeah.

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Jerremy Newsome: And then I go,

"Okay here's how you can paint this

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financial freedom," and my thesis

is always you can do something."

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That something generally is the ultimate

belief that you're moving bits around,

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And metaphysically, and you're becoming

a new vibration, you're becoming a new

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consciousness, you are up-leveling your

ideas and beliefs and identities around

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money and around currency and who you

are and what value you create and how you

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create that value, and so on and so forth.

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So I can understand the aspect of

if you are financially free, you're

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now able to do the things you want

to do, which will make you happier.

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And if you are happier,

you're more fulfilled.

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You're more fulfilled,

you're more purpose-driven.

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You're more purpose-driven, you're

gonna pour into the community more.

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If you pour into the community more,

generally is going to be a better place.

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So the question that we probably

need to start asking in our series,

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Dave, is like, who's gonna run this

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Dave Conley: Yeah.

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Jerremy Newsome: and Shia LaBeouf?

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Who's gonna run it?

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What do they want in return?

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Dave Conley: Right.

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Jerremy Newsome: That's

the big one, right?

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There's no such thing as a free lunch.

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Someone's paying for it somewhere,

doing something for some reason.

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Dave Conley: Yeah.

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Jerremy Newsome: So now that's what we

gotta start answering, and then I do

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wanna continue to deep, deep dive and

let everyone know and let our listeners

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know about Alaska more and the Cherokee

Nation and the:

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and how we think that is a s- to a

UBI that, that actually does work.

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Because Right.

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now, the United States, our trust,

I feel it, you feel it, right?

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It's at historic lows,

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Dave Conley: Right.

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Jerremy Newsome: and there's

a third of the workers in the

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United States of America that are

one missed paycheck From crisis.

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right?

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From crisis.

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we're gonna find out whether those

two facts can exist in the same

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policy and what it costs either way

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Dave Conley: I, we couldn't be having

this discussion at a better time.

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if with the state of the world, state

of the economy, state of where people

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are, I think there's a lot of reason

for people to either put their head

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in the sand and be like, "Ah, la, I

can't hear anything," until something

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affects them that really touches them.

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Or, like they can be in it and

be like totally freaked out and

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frozen, flight or fight or freeze.

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And when people like yourself who

I, I'm supporting for higher office

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are coming up and be like, "Hey,

like there are real things out

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there that we can hang our hat on.

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There are real solutions out

there, and they are probably a

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lot less, expensive and a lot

less complicated than you think."

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And even if you've lost the trust in

institutions, the loss of the trust

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in academia, in government, in, in the

people around you, and in the communities,

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like there, the, it doesn't mean that

good things can't happen, because

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good things do happen all the time.

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And I think I'm excited about pitching

this as a real positive thing, and,

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being like, "Okay, here's a really great

idea, and we've tried it in a couple

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of places, and, and it keeps working."

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and like the experiments are

real, and people are more free,

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and there are downsides, like

there are downsides to anything.

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But nobody would look at the current

system and be like, "Perfect.

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This works great," And every time that

people feel the most disconnected from

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themselves, from the communities, from

the government, then bad stuff happens.

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You get craziness.

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And when, when people with power recognize

that and not, don't necessarily act in the

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best interest of everyone, but act in the

best interest of "Hey, if we do this, then

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good things happen for everyone," right?

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it's like I can act in my best

interest, and good things happen.

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That's how you get like the New Deal.

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That's how you get the war on poverty.

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That's how you get, programs out there

that, that mean that we don't we can have

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reasonable revolutions rather than crazy

revolutions that are out of control.

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Because, those things are...

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Like, like this, it

came up in the research.

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We'll probably hit it a little bit later-

This was first proposed, UBI was first

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proposed by Milton Friedman, of all

people, like the godfather e- godfather

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economist, and frigging Richard Nixon.

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This was like a big piece.

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He was like, "Man, we gotta do this."

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It's like he wanted to be known as

like the international, president

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with, trying to end the Vietnam War and

trade with China, and he did all that.

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But he was also like all over it, "Hey,

by the way, we need this UBI thing."

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And I'm like, "Who?

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Really?"

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That, that was not a, that was not

a president that I thought would

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be like the big champion of UBI.

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Come

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Jerremy Newsome: It's...

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I don't know, man.

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It's k- it is fascinating.

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It's a fascinating discussion.

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And one of the things I would like

to, and I'm telling us this so that,

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Dave and I can use this information

for research later, but I would

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love to compare it to Medicare,

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Dave Conley: on.

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Jerremy Newsome: Medicaid,

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Social Security,

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To just discuss okay if you remove those

unfunded liabilities potentially and

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just roll it into, all right here's UBI,

here's the pot it works, maybe instead

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of corporate tax being as high, right?

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again, you have some kind of pool

in there where corporations, instead

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of fleeing the country because they

have to pay so much in taxes, and

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then they don't have to in other s-

countries, then we make that legal.

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Huh?

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Sure.

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Just go open up your headquarters in

other countries and use their filing

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system and use their tax to avoid the U.S.

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taxes, right?

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Dave Conley: Yeah.

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Jerremy Newsome: of a harp on that and

some of that because you're like, "Hey,

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we actually need to do this," then,

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Dave Conley: i...

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Jerremy Newsome: I

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think that's gonna be an

interesting one, but...

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Dave Conley: we could have a whole

thing on just how it's funded.

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I think,

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Jerremy Newsome: totally.

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Dave Conley: and maybe we should.

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I wanna figure that one out because,

the part of it is that the functions

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of some of those programs we do,

I think we still need some of the

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functions of the programs, right?

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And how those are paid for are like,

simplify taxes and close a bunch

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of r- loopholes so that, there's a

fairness to our tax system where,

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you know, like the corporations,

like Amazon paying zero, right?

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Effectively, Right.

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like using teams of, like the

Fortune 20 coun- countries companies.

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Countries, yeah.

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are they paying taxes?

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It's yeah they're paying some taxes,

but like they, they have, legions of

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lawyers and accountants to ensure...

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we had a tax expert on, which

is like, "Okay this tax code is

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built so you don't pay taxes."

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I'm like, "Fine, great."

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I...

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there's a fairness that, you know,

like where there's a donut hole, right?

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if you make over a certain amount of

money, you pay a lot of taxes, and

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if you make under a certain amount

of money, you pay a lot of taxes.

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If you p- make a lot of money, you

pay a lot less, and if you make,

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less money, you pay a lot less.

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And so there's this vast middle that

pays for a lot, and then it doesn't

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matter because we just print money

and put it on credit cards anyway,

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so it's like why pay any taxes?

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and then on the other side of

this that came up in, in my

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research was, hey, by the way, you

save a sh- a shit ton of money.

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Like the money that you aren't

spending on, on, drug addiction, on,

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on policing, on, on, social services.

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The s- social services like in a

Cherokee Nation or in Alaska, they're

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still there, but they're wildly

less utilized than anywhere else.

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and it's so you can actually tune

those to, to, really focus on what

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is best, like for the people who

really, still fall through the cracks,

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rather than having it as Medicare as

this, or Medicaid as this blanket.

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Medicaid gets to be very focused

and a lot less expensive.

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And I love that it can introduce a lot

of efficiency into a system, and it

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hap- has to happen at the same time.

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If you put in this program, it can't

be just this and a lot of other stuff.

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It's gotta be this and reform, and

those two things can go together.

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So yeah, I think we can have

an, a totally an episode of

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okay, how do we pay for this?

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Like realistically.

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Like one of the, one of the things

that was really simple, from one of the

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economists I was listening to on one of

our podcasts, that we had for pre-work

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was, look, we've been talking about a

negative income tax for a long time.

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You already have a

standard deduction, right?

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And you just increase

that standard deduction.

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And for, people who are making money,

they, they get that standard deduction

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and they still pay taxes, and people

who are not, then you get the negative,

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you get the negative income tax.

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You get that money back.

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It's just...

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And we have the function.

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It's built into the tax code.

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So re- you know you pay your

taxes, you take the standard

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deduction, and there you go.

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And I'm like, "Oh, okay, so

it's not even that complicated."

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All right.

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Jerremy Newsome: Yeah.

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Dave Conley: So let's, I'll put that

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Jerremy Newsome: yeah,

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Dave Conley: on the to-do.

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So let's...

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Jerremy Newsome: the

to-do, how do we pay I

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Dave Conley: it?

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Jerremy Newsome: to know.

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but also I think l- let's ask this...

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Let me ask the thesis of the

question, which is UBI to

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Dave Conley: Yeah.

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Jerremy Newsome: And I'd like to just get

your initial gut reaction, if you will.

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Okay, you have 1,500 bucks a month

landing in your account starting

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tomorrow, guaranteed, no strings, forever.

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What is the first thing, Dave,

that would change in your life?

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Dave Conley: I think it would

s- smooth out, how my, my, y-

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you know how I, I fund my life.

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You and I are a part of that

and how, the investments.

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And so it would smooth out some of that,

thing, that, like the day in and day out.

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It would cover like the, like

just the daily expenses of living.

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And realistically, I think with,

$1,500 landing in my account, I think I

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would also consider ways of how to not

necessarily spend it, but to give it away.

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yeah, like you, you've taught me that.

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It's okay, hey, you just made

killing on this great stock.

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take money out of your account

and give it away today.

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And so getting into that habit of

really, institutionalizing that.

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I did just get a credit, in, one of

the, one of the services that I use.

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and, I turned it right...

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And it was n- not insignificant.

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I was, like, really surprised.

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It was hundreds of dollars.

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And, I immediately, wrote them back

and I said, "How can I spend that

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on the staff of the organization?"

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And

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They were, taken aback.

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And I'm like, it's free money, right?"

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It's like I don't necessarily

want to, get, I don't know.

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I it the most selfish thing I think I can

do is to try and, spend it for others.

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And, there's a certain

sort of magic to that.

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Not to say that I would be super

altruistic and I'm gonna be

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like, "Hey," "making it rain."

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I can't pretend that I'm going

to be like this guy like this.

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However, I think in my mind, and

what I would aspire to, is ensuring

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that, and, every day that $1,500

is going to go and do good work.

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And not necessarily for a direct, I'm

gonna use it on, strippers and coke,

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Jerremy Newsome: yeah.

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Yeah.

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Dave Conley: Yeah.

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How about you?

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Jerremy Newsome: It helps with

budgeting, that's for sure.

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Dave Conley: Yeah.

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Jerremy Newsome: like you, you

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Dave Conley: Smooths things out.

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Jerremy Newsome: I think the

word guaranteed is really good.

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and I do Elon's universal high income.

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That's a cool, definitely a cool belief.

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The either fortunate or unfortunate

news is I wouldn't need or

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notice $1,500 extra per month.

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Dave Conley: Yeah.

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Can we change this a little bit?

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What would...

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Jerremy Newsome: sure.

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Dave Conley: Let's say 15,000 a month.

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Jerremy Newsome: Yeah.

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Dave Conley: I, I think that's a, that's

suddenly at a level where I'm like,

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"Okay, that's interesting," right?

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Jerremy Newsome: 'Cause

there is a number, right?

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You start adding zeros,

you're like, "Oh, cool."

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c- 'cause again, man the good news is

for most people, I totally agree with

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that number 'cause that number is where

I start talking to people about like

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their visualization of their dreams,

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Is about $15,000 a month,

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Dave Conley: Yes.

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Jerremy Newsome: 'Cause then they're

like, "Okay, if I can make $15,000

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a month from trading, business,

interacting with, customers, consumers,

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a program, a software, something I

built, sold, interest," "I put $3

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million into high-yield savings account

and I'm getting paid," it wouldn't be

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$15,000 a month, but whatever, right?

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You're making some level of income

every single month Okay, dope.

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That is cool, and that is exciting, and

that is unique, and that is very fun.

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And once you play with that number

and you know where it is here's also

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the uniqueness to that, is that can

exist at larger levels of capital.

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So for example, right?

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savings account right now,

generally they pay around 3%.

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If you put in five million,

a lot of money, right?

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You put in five million a sale of a

business, from the proceeds of that you

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created, sold, did a lot of, did a lot of

work, did a lot of travel, did whatever.

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High-yield savings account, which

can change, keep that in mind.

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The interest rates can change.

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They can go up and they go down.

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But at 3%, that's $150,000 a year,

which is, yeah, 12,000-ish a month.

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So it- meaning like that's the

math for a lot of people, where

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it's like that is actually doable.

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And $15,000 a month, they do almost

always say when I interview an

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individual, when I interview about

financial freedom, that's very close

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to the amount of money they need to

feel free, they travel so much more.

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They take that money,

they s- they do spend it.

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They do put it back into the economy.

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But they live a life almost always where

they're not working for someone else.

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They are doing the things they want to do,

but they are so going to create, right?

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That's the big awareness, is they're

going to now live in a place where on a

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Monday, Tuesday, and Wednesday, they're

gonna go to the park with their kids,

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their wife, and their family, and they're

gonna sit down on a bench, or they're

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gonna have a picnic, and they're gonna

think, and they're gonna daydream.

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They're gonna believe about what they

actually can build and what's realistic

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and what's possible, that excites them.

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So that is a number where it

does have a very large impact.

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And still, just am in that threshold where

I know that $1,500 a month going to impact

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a very large portion of this country

and really the world, because now your

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car payment totally gets paid for you.

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Most of your food payment, most of your

food costs probably also get paid for you.

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now you can eat better, and if

you eat better, you're gonna think

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better, you're gonna move better,

you're gonna have less inflammation,

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you're gonna have less weight.

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Less weight leads to more vitality.

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More vitality leads to better thoughts.

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Better thoughts generally lead to

better questions, and the quality

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of your questions determines

the quality of your life.

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So you start asking great questions.

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You start making probably more 'cause

you made better decisions, 'cause

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you add more value to the world.

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:

So it is gonna be like this beautiful

cyclical part at some point.

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:

So just depends on how

much money it's gonna be

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:

Dave Conley: Yeah, 15, 15,000

is where I start feeling it.

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:

that is, like that's where, my expenses

are covered, my insurance, my, my

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rent, my, like my day in and day out.

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it's where, like r-right now I am

feeling a crunch, and I'm, I have to,

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I work on that with you to feel, like

making sure that my, my money attitude

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:

is headed in the right direction.

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because, how I feel is gonna

directly affect how I-- what I make.

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And at that level, I think there

would be, honestly, the first thing

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I would do is I f- I really haven't

had a vacation in three or four years.

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:

I'd probably take, a solid two weeks

out and then be like, "Okay, I'm going

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to just be for a couple of weeks."

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And then, I feel like there would be some

freedom in my thought, of, okay, I, I'd

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immediately, I think hire, hire one or

two other people to be like, "Okay, these

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:

are some other things that are going on.

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I want to expand, my, the

work that I do in the world."

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:

My focus is totally on the things

that I feel are changing the

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world the most around, around

politics and, around, around that

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:

work, so that's really my focus.

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And there are some really fun things

that I would like to also, add value to.

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:

So it's okay, I've had this crazy

idea, and I have, like I'm an idea guy.

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:

It's feed the tuna, mayonnaise, right?

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:

it's I would wanna, I wanna, get back

to having, some staff again and be

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like, "Okay, let's light this up.

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Let's do this.

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:

Let's light this up.

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Let's do this."

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Because ultimately, the only, the

only commodity, the only finite

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:

resource we actually have is time.

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everything else is fungible.

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:

and, adding more time would be the very

first thing I would do at, 15K a month.

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:

Jerremy Newsome: Yeah.

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:

Yeah.

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:

Yeah, It was a good point.

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:

'Cause that's how people,

that's how you expand.

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:

I tell people all the time, when you

have $100,000 liquid, which that's

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:

what, that's 15 grand a month, right?

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:

Essentially.

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It's not

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:

Dave Conley: yeah.

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:

Jerremy Newsome: You now have

a p- of units that come in.

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Those units are going to make

more, than 100,000 a year.

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:

When you have more than $100,000, you

have more dollars than days left to live.

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:

So you have to start using that to

occupy and to buy time, to your point.

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:

That's a, it is a good investment.

460

:

okay, what about this one then?

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:

What about this one?

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:

So from a UBI standpoint, right?

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:

Dave Conley: Yeah.

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:

Yeah.

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:

Jerremy Newsome: People

are receiving money

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:

Alex: One missed paycheck separates

a third of America from crisis.

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:

Dave and Jerremy just showed what

escaping that edge looks like.

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:

But the deeper burn waits—NEXT, does

breathing room actually set people

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:

in motion, or just stop the bleeding?

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About the Podcast

Solving America's Problems
Solving America’s Problems isn’t just a podcast—it’s a journey. Co-host Jerremy Newsome, a successful entrepreneur and educator, is pursuing his lifelong dream of running for president. Along the way, he and co-host Dave Conley bring together experts, advocates, and everyday Americans to explore the real, actionable solutions our country needs.

With dynamic formats—one-on-one interviews, panel discussions, and more—we cut through the noise of divisive rhetoric to uncover practical ideas that unite instead of divide. If you’re ready to think differently, act boldly, and join a movement for meaningful change, subscribe now.