Pass legislation to enable consumers to "round up" any debit purchase they make so that the change goes into their retirement account. The secret to saving for retirement is making it easy for the consumer. So every time a purchase is made, the extra change back could go directly to a person's retirement account.
If someone makes three to four purchases a day, and rounds up each one, it could put $1 to $2 dollars a day into an IRA or retirement account. At $1.50 a day, at 8% return over 40 years, that would be over $150,000 saved.
So use the same impulse principle that makes people buy lottery tickets, lattes and cigarettes, and put that into instant retirement savings.
This is something that would benefit both consumers and financial institutions.
It's literally "Time For Change!"