The idea of a minimum wage is a complicated topic, and I know many people who favor themselves as free-market advocates. That ideology is in direct contradiction to something like a minimum wage. If we live in a completely free market then the market itself will set an informal minimum wage, and thus legislation that forces an artificial minimum wage level would be rendered unnecessary. Also, opponents of a minimum wage suggest that it causes inflation, forces companies to look outside the country for workers and actually does nothing to raise the standard of living of the poor.

Despite what some may suggest, unbiased, quantitative research into the affect of a minimum wage is sparse. Studies are usually either too narrow in their focus, don’t cover a significant enough time frame to study or their results are too inconclusive. If anyone can point me to any research that doesn’t present those types of problems, please point it out to me; I’d be happy to take a look.

The argument that a minimum wage goes against free market principles is a silly one to me, because to the best of my knowledge there does not exist a modern economy based on a completely free market. Say what you will about the role the federal government plays in our economy, but to me it’s not constructive to argue free markets when there is virtually no traction when it comes to changing some of the fundamental principles of how our economy is managed.

Other arguments are more substantive, and should be paid attention to – especially if research proves that a minimum wage has no impact on the standard of living for the poor. But the best defense of a minimum wage that I’ve read was written by Robert Prasch in the Journal of Economic Issues. To quote Prasch’s conclusion:

Finally, an increase in the minimum wage might also work to undermine systemic economic power and thereby be responsible for a more just, or at least a reasonable, distribution of society’s annual income. One also suspects that to the extent that the United States is currently suffering from a “stagnationist” economic pattern, an increase the minimum wage may be a popular, timely, and successful economic policy” [Mazur 1995].

Keep in mind this was written in 1996 he writes about a “stagnationist” economic pattern. When he talks about a “just … distribution of society’s annual income”, he’s referencing a commonly held economic theory that states that societies experience more spending across the board when income is more evenly distributed (this will probably be judged as controversial; for more background information on this topic, look into Post-Keynesian views on income distribution).

Regardless of your previously-held opinion on this matter, it’s a very interesting article to read. Readers, what are your thoughts on the minimum wage?

– Michael

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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