I would suggest a mandated contribution that at least goes into a savings account and no withdrawals allowed. At a bare minimum, people would contribute $100 or so per month (going to basic savings account) and my hope is that after a while people would see $6-8K in there and then start to think "how can i do better with this". My former commander is whispering in my ear right now...."hope is not a plan" but to me the savings account is a starting place and gets the govt out of the equation, because they screw pretty much everything up. I believe that most people would eventually get somewhat smart about leveling up from a basic savings to something a little more lucrative after they have a little more skin in the game. ....so it would be individually selected/privately managed based on free market. ....but with no ability to opt out or stop minimum contributions. you could change providers/plans but you couldn't just quit the process.