As Obama has proposed, employers that do not offer retirement plans should be required to offer automatic contributions to their workers’ IRAs through regular payroll deductions. Matching government contributions should be used in lieu of, or in addition to, tax deductions to encourage low-income workers to participate.
但许多雇主并不提供退休计划，而几乎所有员工都符合有税收优势的IRA的要求。正如奥巴马所建议的，不提供退休计划的雇主应该被要求通过定期工资减扣提供自动缴纳其员工的IRA。政府匹配缴纳应该用于代替或补充减税以鼓励低收入员工参与。