When a kid throws a stone in a pond, what is the effect? At first glance, a splash. In economics, we call this the micro. The macro is the bigger picture.

The stone makes ripples. Suppose one of the ripples washes over a lily pad and knocks a fly into the water. As the fly treads water, a large mouth bass breaks the surface and has a snack. A fly-fisherman, 15 yards away, hears the splash just in time to see the tail submerge. His next cast targets that area. A friend of the first bass gets hooked. But that’s not all; as the stone drops to the bottom of the pond, it bumps a golf ball which rolls and smashes the home and family of an ameba.

In my last article [Abortion’s Economic Cost], I calculated the cost to Indiana and society of killing 8,000 babies a year for 44 years. We could say this was the micro impact. The ripples of abortion are much broader.

The financial ripples from an abortion are greater than the human life value (the focus of my previous article). Babies use diapers, eat baby food, need clothes, require a baby-size bed, and often have full tote bags following them wherever they go. As they outgrow clothes, they are often given noisemakers and toys.  Fast forward five years, and this child requires a notebook, pencils and pens, and a backpack. Over this five-year period, how much food has been purchased, clothes bought and sold, and toys broken and replaced? Even though most five-year-olds are not making money, they are consumers.

Those first five years are the cheap years. Until this “child” leaves the nest, the costs associated with consumption are rising.

Let’s assume a baby born in 2017 has a long life. How much money would this person spend? Some geeks tried to answer this question on the open-forum website [Quora]; the answers ranged from $1.5 to $4.0 million. Whatever the number, consumers consume. Then, it is not uncommon a baby eventually has a baby. And then the baby’s baby may have babies.

I’ll use my dad as an example. He was born, in Indiana, in 1924. Currently, at age 92, his legacy includes three children, six grandchildren and 10 great grandchildren. If we average the Quora guesses (using $2.75 million for lifetime spending), my dad created $55 million in consumer buying power. Eventually, the great grandkids will have babies and this buying block will expand even more. The real number can’t be calculated, as long as the lineage continues to multiply.

Nearly all of my dad’s offspring have no connection to Indiana. They now live in six states. But that’s not true for every Hoosier native. If my family tree is common, then, when Indiana kills approximately 22 Hoosier babies per day, this creates a huge [opportunity cost] for Indiana’s economy. It doesn’t make any sense our governor, State Senate President, State House Speaker, and the Indiana Chamber of Commerce, all think a higher priority than saving babies is raising taxes, fixing roads and increasing educational spending. Saving the lives of future consumers and taxpayers would have a greater economic benefit.

Only geeks think of financial outcomes first. The ripple effect of life involves more important benefits than money. Like Jimmy Stewart discovering his life really was wonderful, my dad has left a trail of significance. Among the fruit of his loins, are six businesses, in addition to the five he created. These eleven businesses have reached several thousand customers. One grandson, made a cellular discovery in his PhD studies. He is now the CEO and co-founder of a biotech company which is reshaping the future treatment for diabetes. Another grandson is the director of sales and marketing for one of Northern California’s largest commercial solar energy companies. His work is changing how farmers and businesses think about energy. Another grandson is a nurse anesthetist. He’s a part of a life-saving team. Another grandson just finished his service in the Navy where, as a nuclear submarine engineer, he made sure the crew returned to port safely. My dad’s only granddaughter is turning heads as a Cat 2 bicycle racer and is a physical therapy assistant. 

In this family tree are church ministries which have helped more than 10,000 people. My dad has taught us generosity and hospitality, so in addition to the masses, are individuals who have been helped privately.

My dad entered the army shortly before the end of WWII. After boot camp, his troop went a different direction than the Battle of the Bulge. He fulfilled a mission and purpose in the Far East, just after the War’s end. But like the Jimmy Stewart character, only God knows the web of influence he had in the army.

Abortion’s ripple effect is the opposite of what I just described. It wasn’t as accepted then, for some reason; suppose my Hoosier dad had been aborted in 1924. The first impact: you wouldn’t be reading this article! If my dad had been aborted, a hole would replace his “wonderful life” story.

If you are reading this, your mother chose life. Our world would be different without you.


“Dollar” Bill is a real guy, with real knowledge on our nation’s financial calamity, and real solutions for what must be done to dig ourselves out of the hole we are in. Due to his career, Bill must remain “disguised” to protect his position. “Bill” loves America, sees the impending cliff we are all headed towards, and hopes that by sharing his inside knowledge of the failed monetary policy in our nation, that a fiscal “nuclear” event can be minimized.