Stop legislating items of personal responsibility. If people don't save for retirement, or understand they need to support themselves in retirement. Change public education to include how to save for retirement. People aren't saving because they are ignorant or over extended, or both. Increasing burdens on employers... which reduces the number of jobs and the amount of compensation doesn't help the employees. Not educating our citizens about retirement is the problem. Rising inflation, and low wages are the problems. To solve problems, you address the problems. Don't put bandaids on the effects of the problems.