THE tHIRD IS THE ONLY wAY:

The program, called the T.R.U.S.T. Fund for America (short for Tomorrow's Retirement for the U.S. Today), looks like this: when born, every baby receives $7,500 in an account managed by an independent agency of the federal government. The money is placed in a new type of EE Savings Bond, called the "T.R.U.S.T. EE" Bond, which would be issued by the Treasury Department. The total amount of bonds issued would be about $29 billion a year, assuming about 4 million babies are born, and would be self-funding, he said.

At age 70, the account would begin generating monthly income to be, on average, equivalent to Social Security benefits. The benefit is meant to supplement Social Security. [...]

Most Americans can only begin saving for retirement in their 20s and 30s, if they're starting early, but by beginning their contributions at birth their eventual nest egg would increase exponentially. Someone saving $100 a month for 20 years would have contributed $24,000 in total, and have an account grow to $52,000 with a 7% rate of return. If that same person were to save $100 a month for 60 years with the same rate of return, she'd eventually have an account balance of $1.1 million. The T.R.U.S.T. EE proposal would generate about $650,000 by age 66 with a one-time contribution at birth.

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