Age of Balance

Where systems thinking meets the human spirit

Kevin Howard

Explore

We did not arrive here by accident.

About

Kevin Howard

Breadcrumbs...the clues that will lead you home.

Kevin Howard was born in 1965 in the Bronx, New York, the son of a Panamanian immigrant mother. Raised in Catholic school, he enlisted in the U.S. Army at 18 and spent four years serving with NATO forces in Europe during the Cold War's final chapter.

College followed the military - economics and political science, then law school - and from there, a quarter-century climb through commercial banking. By every conventional measure, it was working. Senior roles, respected institutions, a clear trajectory.

Around 40, it stopped making sense. Not the work itself, but the premise underneath it - the idea that accumulation and achievement were supposed to feel like enough. They didn't. What followed wasn't a breakdown so much as a slow, honest reckoning: ten years of peeling back assumptions about success, purpose, and what it actually means to live well.

In 2016, during a run in Carlsbad, California, something shifted. Kevin describes it simply โ€” a moment of knowing, deep and unshakable, that we are one. Not as philosophy. As experience.

That understanding changed everything. He walked away from banking and toward the work he does now - not because he had a plan, but because he couldn't unsee what he'd seen. The writing, the podcast, the housing and climate work - all of it flows from that same source: a belief that the systems we built aren't serving us, and a stubborn conviction that we can build better ones.

Kevin currently lives in the Pacific Northwest (US) where the forest meets the water. The journey for community continues...

Kevin Howard - Climate Risk

Climate Changes Everything

Practical solutions for climate mitigation, adaptation, sustainability and equitable development.

๐Ÿ›๏ธ

Price Gap Agreement

A financial innovation making housing affordable in cities like Seattle - closing the gap between what people can pay and what housing costs - without tax dollars, subsidies, or public debt. Built on 40 years of proven Federal policy.

Learn more รขโ€ '
โš–๏ธ

Equity Advisory Committee

Appointed to Oregon DEQ's Climate Protection Program Equity Advisory Committee in 2025. Kevin advises on equitable climate policy - centering the lived experience of communities most impacted by climate change and transition policies.

Learn more รขโ€ '
๐Ÿ˜๏ธ

Saplings Development

Affordable, energy-efficient housing in Vancouver, BC. Founded by Chris Adlparvar, Saplings pioneers a 10-year vesting ownership model where renters become owners.

Learn more รขโ€ '

The circle of self-interest must become the symbiotic balance of interdependence.

Onward, At Last

A book about what happens when the American Dream stops working โ€” and what we build next.

Onward, At Last - 2024 Presidential Election Edition
๐Ÿฅˆ Literary Titan Silver Award  ยท  ๐Ÿฅ‰ 2025 Bronze IPPY Award โ€” Best Adult Nonfiction

Originally published by Atmosphere Press in December 2022, Onward, At Last grew into a six-volume 2024 Presidential Election Edition with 94 commentaries examining America's systems through the lens of lived experience.

The Book Club Condensed version distills the core argument into four chapters - for readers who want the essence without the encyclopedia.

Forward by John Fullerton, founder of the Capital Institute and pioneer of regenerative economics.

Read all 118 published works on the Universal Oneness Blog โ€” 108 commentaries plus 10 Manufactured Consent articles.

2024 Presidential Election Edition

Book Club Condensed Version

๐ŸŽง Audiobook Sample: "And Then She Awakes"

Narrated by Carolyn Jania

Published Writing

Dispatches from the intersection of climate, systems, and human evolution.

2026

October 21, 2026 ยท Substack

"Who benefits from this Dumpster Fire?"

October 14, 2026 ยท Substack

"We All Have an Intersex Brain"

October 7, 2026 ยท Substack

"Live by the Patriarchy, Die by the Patriarchy"

September 8, 2026 ยท Substack

"Back to the Future"

September 3, 2026 ยท Substack

"Pssst, Can We Talk Please?"

September 1, 2026 ยท Substack

"A Low-Rent Imitation of Extreme Wealth"

August 26, 2026 ยท Substack

"Extreme Wealth has Looted the U.S. Treasury"

August 19, 2026 ยท Substack

"This is the Story of How Betrayal Erodes Faith in Democracy"