Allow people to save $25 per week before taxes for the first 40 weeks of the year, with the condition they would have to spend the money in the last 12 weeks of the year or lose it.
The Christmas Club Stimulus would work similarly to Healthcare Flexible Spending Accounts. It's goal would be to create a strong fourth quarter for consumer spending and anticipation of a strong fourth quarter in the markets. The plan would also promote 'Save then Spend' rather than "Borrow and Spend' consumer habits which would help reduce consumer debt.