You said "most Americans’ only retirement savings option is $7,000 into some form of IRA" The fact is, that statement is not true. Some 85% of taxpayers work f

You said "most Americans’ only retirement savings option is $7,000 into some form of IRA" The fact is, that statement is not true. Some 85% of taxpayers work for employers or are self-employed, and many millions of those have access to 401k plans. "Every American should have access to the same level of tax sheltering regardless of employer." Since you are talking about $75K annual amounts, I read that as only high-earning Americans should have access, because you don't acknowledge that most Americans cannot afford to put $75K or more into retiremement every year, they need the money to put food on the table and roof over heads. You are arguing for making a tax break for the rich more widely available but pretending like it is for the benefit of everyone.