Age of Balance

Where systems thinking meets the human spirit

Kevin Howard

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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 — 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.

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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.

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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.

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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.

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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 — and what we build next.

Onward, At Last - Manufactured Consent Edition
🥈 Literary Titan Silver Award  ·  🥉 2025 Bronze IPPY Award  ·  ✦ Kirkus Reviews
NEW — November 1, 2026
Manufactured Consent Edition

The definitive volume: the original 101 commentaries, a Foreword by John Fullerton, and ten new long-form articles challenging the most consequential narratives since WWII — the Cold War, 9/11, and COVID-19. Every factual claim is cited. All the receipts are included.

"An insightful reflection on human interconnectedness." — Kirkus Reviews
"If you've ever suspected the story you were told about the USA had holes in it, you're about to find out how big they are." — Diana Colleen
"His relentless pursuit of objective truth… is what makes him so extraordinary." — Nick Hutchison, BookThinkers
Published by Witness Publishing  ·  ISBN 979-8-9980758-1-0  ·  Distributed by Ingram

🎧 Audiobook Sample: "America's Last Stand"

Narrated by Marguerite Gavin — Manufactured Consent Edition

Originally published by Atmosphere Press in December 2022, Onward, At Last has grown across three editions — from 94 commentaries to a definitive 101, now with ten Manufactured Consent articles examining the narratives that shaped modern America.

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

2024 Presidential Election Edition

Book Club Condensed Version

🎧 Audiobook Sample: "And Then She Awakes"

Narrated by Carolyn Jania

Published Writing

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

2026

October 31, 2026 · Substack

"Humans — The Only Species that Hunts its Prey to Extinction"

October 21, 2026 · Substack

"Who benefits from this Dumpster Fire?"

October 14, 2026 · Substack

"We All Have an Intersex Brain"

October 7, 2026 · Substack

"Live by the Patriarchy, Die by the Patriarchy"

September 8, 2026 · Substack

"Back to the Future"

September 3, 2026 · Substack

"Pssst, Can We Talk Please?"

September 1, 2026 · Substack

"A Low-Rent Imitation of Extreme Wealth"

August 26, 2026 · Substack

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

August 19, 2026 · Substack

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

March 2026 · Substack

"Show Me the Money"

March 2026 · HyveMind

"The Financial Class Could Easily Alleviate the Housing Crisis. Why Aren't They?"

2026 · HyveMind

"From Banking to Breadcrumbs: Kevin Howard on Finding Clarity in a Complicated System"

February 2026 · Substack

"What Epstein Reveals"

February 2026 · Substack

"The Midas Touch Must Be Stopped"

February 2026 · Substack

"Now That the Game Is Over, What's Next?"

2025

December 29, 2025 · Substack

"Change Your Actions, Change Your Life"

December 24, 2025 · Substack

"2025 — The Year We Realized 'It Is Not Working'"

December 16, 2025 · Substack

"Life Is Now Stranger than Fiction"

December 8, 2025 · Substack

"Finding the Signal Amongst All the Noise"

December 3, 2025 · Substack

"Breadcrumbs...a Podcast for People Who Know 'It Is Not Working'"

July 2025 · USA News

"Onward, At Last: A Call for Reflection on Societal Values and Collective Responsibility"

2024

2024 · BizWeekly

"Reclaiming Our Humanity: Kevin Howard's Onward, At Last and the Power of Collective Success"

2024 · NY Review

"Onward, At Last 2024 Presidential Election Edition: A Challenge to Prevailing Virtues, Values, and Narratives"

2020

October 2020 · Camas-Washougal Post-Record

"Washougal Author Rethinks 'American Dream'"