The Arrogant Independent

A Market-Aligned Solution to America’s Retirement Crisis

Traditional pensions are gone for most workers, wages have stagnated, and nearly half of U.S. households have no retirement savings. The system leaves too many Americans behind.

That’s why we developed a Universal, Market-Aligned Retirement Savings Plan — a reform that:

• Provides every worker with a portable retirement account.
• Uses automatic enrollment with opt-out to boost savings.
• Directs progressive federal matches to low- and middle-income workers.
• Relies on private management and market competition, not government control.
• Rewards employers who participate through tax credits and payroll offsets.

This is a solution that respects free-market capitalism while tackling a crisis that affects tens of millions of Americans.

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🎙️ Podcast episode:

🔊 Audio narration of the report: https://drive.google.com/file/d/16O_uIAeHwq5T9bN_9QiXwFZjJEHiXYL0/view?usp=sharing

📄 Full Report (DOCX): https://docs.google.com/document/d/19-u293WFuqkGedh_19_bJXWyZZUbsZAA/edit?usp=sharing&ouid=111018917453627434082&rtpof=true&sd=true

📑 White Paper (Policy Proposal PDF):https://docs.google.com/document/d/1zyJry8CxU7h4d0gHLs2pUccWEopymKTc/edit?usp=sharing&ouid=111018917453627434082&rtpof=true&sd=true