"What he's saying: Trump said he would offer Americans who don't have 401(k)s or other employer-based retirement accounts "access to the same type of retirement plan offered to every federal worker."

"We will match your contribution with up to $1,000 each year as we ensure that all Americans can profit from a rising stock market," he said."

It's not a bad idea. At first I thought it was a followup on the rumor he was going to copy the Australian system. This is a bit more straightforward in concept. You save, we help you save with a boost each year. Yes, it's a subsidy, but it would cost the US less in the longrun with people actually saving for retirement than relying 100 percent on Social Security, Medicare and government safety nets when they get old.

Of course, anyone with a job with a retirement plan already would be out of the picture by early definition, since you would already have a plan per se. But the number of folks this would capture would be huge and prolly make up a good amount of those that end up on benefits having nothing else in senior years. They otherwise just end up taxing the system through constant ER visits that don't get paid, welfare benefits and similar as well as what's left of SS and Medicare.

My two cents on it.