Robert Beers’ Social Security Expansion & Modernization Plan
A Retirement Safety Net That Follows You, Grows With You, and Pays You Fairly
🏛️ The Problem
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Social Security is underfunded by 2035 if no action is taken.
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The average monthly benefit is just $1,907 in 2025—far below the cost of living in most of America.
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Millions of Americans don’t have access to a 401(k), especially gig workers, low-income employees, or those at small businesses.
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401(k)s are expensive to manage, hard to transfer, and easy to cash out (which reduces retirement security).
💡 The Beers Proposal: Retirement Security That Works Like It Should
✅ 1. Employer-Backed Social Security Contributions as a 401(k) Alternative
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Employers who don’t offer a 401(k) or pension plan would have the option (or mandate) to contribute a matching retirement amount into their employees’ Social Security account instead.
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Contributions would be voluntary or matched, just like 401(k)s (3–6% recommended match).
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These extra contributions go into individualized government-backed retirement sub-accounts, tied to the Social Security system but portable across jobs.
🎯 Result:
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No more lost or rolled-over accounts
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No more 401(k) fees
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And it guarantees everyone has at least one secure retirement account.
✅ 2. Investment Options & Growth with Guardrails
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Individuals can choose low-risk index funds managed by the Social Security Administration or certified vendors (like how federal employees use TSPs).
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Contributions grow over time—but can’t be withdrawn early except for emergencies or first-time home purchase.
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Optional automatic inflation adjustment and cost-of-living increase triggers to protect retirement income value.
🎯 Result:
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Secure, inflation-resistant income for retirement
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Accounts that grow and are protected from early withdrawal mistakes
✅ 3. Guaranteed Livable Retirement for Today’s Seniors
For those already nearing or in retirement:
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Raise the minimum monthly benefit to $2,400 for seniors over 65 who have worked for 30+ years or contributed at least 20 years through employer/employee payroll taxes.
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Create a “Senior Safety Floor”: No retiree lives below the poverty line.
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Funded through:
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A small increase in payroll caps (earnings above $250K pay into Social Security again)
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A digital services tax on major tech companies
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Closing corporate loopholes used to dodge Social Security payments
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🎯 Result:
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Seniors get what they earned and deserve—a retirement above the poverty line
✅ 4. Self-Employed & Gig Workers Included
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All Americans, regardless of employment status, can opt into this plan through:
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A national IRS-backed enrollment portal
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Monthly auto-deductions based on income or a flat contribution
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Gig employers (Uber, Instacart, etc.) can offer matching funds like regular employers
🎯 Result:
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Everyone builds wealth—not just the privileged few
🔄 Why This Is a Win for America
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Simplifies retirement
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Reduces dependence on Wall Street-driven private plans
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Ensures fair, consistent income for ALL seniors
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Unites both parties around choice, fairness, and freedom
✅ Robert Beers: The Leader With a Plan
While politicians like Nancy Mace ignore the Social Security time bomb or push cuts, Robert Beers is offering a solution that protects the elderly, empowers the working class, and simplifies retirement for all.
