to their local bank savings account? Or to be allowed to accumulate over 35 years to $300,000? Almost anyone with financial acumen know that if a person is allowed to accumulate their Social security deductions at a modest 3% tax sheltered for 35 years would amass over $300,000. (See this simple savings calculator Simple savings calculator -- Bankrate.com Now if this same person directed the monthly payments of $400 deducted automatically each month for 35 years into vehicles accumulating at the average of 6%.. almost $600,000! Again this would be CONTRARY to DEMOCRATS NOT invested in the "stock market" unless directed! NOT go in affect for anyone over 55. NOT go into affect if the person chooses NOT to be self directed. But of course the DEMOCRATS aren't telling people that! All the plans of knowledgeable financially aware people is that if left alone and saving at the rate of simple compound interest at 3% to 6% the INDIVIDUAL can have their OWN estate of at least $300,000 to as much as possible without the Government having to pay a dime! NO money out by the government for these accounts directed by the employee!