I like 5 - fully fund pension and make it moveable if you change jobs. My uncle was wiped out when

[Hestia]

the airline he worked for for 30 years went belly up.

4 - agree with also

3a - how is it double taxation? Or make it like 401k/403b and treat the amount as pre-tax deduction.

Joe's idea is raise SSI from, what is it, $135k to $450k. Once the SSI funds are taken out of the federal general fund again, then have a big discussion of dropping rate, at least for employees and keep it for employer if they have X amount of gross earning and not allow as a employee CoE and deduction. That's what chews everything up, being allowed to deduct everything. If an employee can't claim it, neither can an employer, which includes private hedge funds.