shed by private banks, Liz Warren would be apoplectic. My proposal is to means test now and gradually eliminate by the time those now 50 turn 70. In place of SS, I'd increase the limits on 401K contributions and employee matches with employer tax incentives based on the % of salary matched at the individual employee level. SS is nothing more than welfare disguised as a savings program. Offer two sets of payments. One for future retirees who have outlived their savings, one for future retirees that never saved anything in the first place.