raise the cap on social security to 90% and expand it to all income.
allow people to buy annunities earning a minimum of 6% or higher ( cannot be anyform of government debt)
keep those earnings in untouchable government account at prescribed interest rate(benefit of large balances)
allow transfer to future generations of investment
anyone buying above 8% must buy an insurance policy on possible loss of investments.
no one can contribute less to the social security system.
Force all companies to go to insuance owned annuities on behalf of retirees.