A proposal to rebuild American retirement
Replace Social Security with individually owned retirement accounts — building private wealth for every citizen while retiring the national debt.
Contributions stay at today's 12.4% rate — but the money flows into the worker's own diversified portfolio rather than a pooled trust fund. Three sources compound together.
$5,000 at birth
$100/month to age 18
Under 25 at start receive up to $10,000 in seed funds (depending on age)
Same as today — 12.4% of earnings, no wage cap, deposited straight into the worker's account.
Age-based index portfolios, modeled at a conservative 8% during accumulation against a 10% optimistic case — in line with long-run equity returns.
The same math used throughout the bill and the executive summary. Enter your details to see your projected account balance, monthly retirement income, and how it compares to Social Security — across both scenarios.
Social Security figures are estimated from the proposal's per-income-tier benchmarks. Projections illustrate the proposal and are not a forecast or financial advice.
The same engine that builds private accounts runs a government surplus large enough to retire the national debt — then fund infrastructure and tax relief.
National debt
$36T → $0 by Year 38
Individual wealth
$0 → $391T by Year 50
The transition, year by year
Honor every existing promise, cross into surplus, retire the debt.
The full legislative text and the executive summary, free to download and share.
Titles I–X: eligibility, contributions, investment rules, inheritance, transition, and enforcement. Read online or print to PDF.
The case at a glance — individual outcomes, the fiscal model, and AFRA vs. Social Security, with charts.
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