A Real Fix for Social Security: Robert Beers’ Plan for Fair Retirement for All

 

Robert Beers’ Social Security Expansion & Modernization Plan

A Retirement Safety Net That Follows You, Grows With You, and Pays You Fairly

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🏛️ The Problem

• Social Security is underfunded by 2035 if no action is taken.

• The average monthly benefit is just $1,907 in 2025—far below the cost of living in most of America.

• Millions of Americans don’t have access to a 401(k), especially gig workers, low-income employees, or those at small businesses.

• 401(k)s are expensive to manage, hard to transfer, and easy to cash out (which reduces retirement security).

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💡 The Beers Proposal: Retirement Security That Works Like It Should

✅ 1. Employer-Backed Social Security Contributions as a 401(k) Alternative

• 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.

• Contributions would be voluntary or matched, just like 401(k)s (3–6% recommended match).

• These extra contributions go into individualized government-backed retirement sub-accounts, tied to the Social Security system but portable across jobs.

🎯 Result:

• No more lost or rolled-over accounts

• No more 401(k) fees

• And it guarantees everyone has at least one secure retirement account.

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✅ 2. Investment Options & Growth with Guardrails

• Individuals can choose low-risk index funds managed by the Social Security Administration or certified vendors (like how federal employees use TSPs).

• Contributions grow over time—but can’t be withdrawn early except for emergencies or first-time home purchase.

• Optional automatic inflation adjustment and cost-of-living increase triggers to protect retirement income value.

🎯 Result:

• Secure, inflation-resistant income for retirement

• Accounts that grow and are protected from early withdrawal mistakes

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✅ 3. Guaranteed Livable Retirement for Today’s Seniors

For those already nearing or in retirement:

• 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.

• Create a “Senior Safety Floor”: No retiree lives below the poverty line.

• Funded through:

  • A small increase in payroll caps (earnings above $250K pay into Social Security again)

  • A digital services tax on major tech companies

  • Closing corporate loopholes used to dodge Social Security payments

🎯 Result:

• Seniors get what they earned and deserve—a retirement above the poverty line

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✅ 4. Self-Employed & Gig Workers Included

• All Americans, regardless of employment status, can opt into this plan through:

  • A national IRS-backed enrollment portal

  • Monthly auto-deductions based on income or a flat contribution

• Gig employers (Uber, Instacart, etc.) can offer matching funds like regular employers

🎯 Result:

• Everyone builds wealth—not just the privileged few

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🔄 Why This Is a Win for America

• Simplifies retirement

• Reduces dependence on Wall Street-driven private plans

• Ensures fair, consistent income for ALL seniors

• Unites both parties around choice, fairness, and freedom

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✅ 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.

🌐 www.RobertBeers.com
🌐 www.RobertBeersForCongress.com

Stop Tax Breaks for the Wealthy—Reinvest in American Families Instead

 

Why Tax Cuts for the Ultra-Rich Don’t Help Main Street

1. They don’t boost growth or employment

Decades of research—including a major LSE study—show tax cuts heavily favoring the wealthy haven’t significantly improved GDP or job growth, while greatly increasing inequality knowledge.wharton.upenn.edu+9ncrc.org+9cbsnews.com+9ncrc.org+2lse.ac.uk+2cbsnews.com+2.

2. They increase inequality without trickling down

These tax breaks often lead to gains stacked at the top. One analysis found that such cuts DID not create jobs—but did raise top-tier incomes .

3. They drive up deficits and risk social services

Ultra-rich tax cuts reduce government revenue, worsening deficits. For instance, Trump-era tax cuts are estimated to add $2–4.6 trillion to debt, forcing cuts to programs like Medicaid and SNAP cbpp.org+14apnews.com+14washingtonpost.com+14.

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✅ What Works Better—and Who It Truly Helps

✔️ Targeted support for working families

Tax relief for individuals and families (like Child Tax Credits) puts money directly in hands that are spent locally—on food, housing, and education—fueling real economic growth .

✔️ Investing in middle-class power

Policies that boost wages, education, and infrastructure help everyone. For example, investing in broadband, education, and healthcare builds long-term resilience and economic stability.

✔️ Enforced minimum wage and living wage standards

Rather than hoping tax breaks boost hiring, ensuring fair pay means workers can afford homes, health coverage, and consumer goods—directly supporting businesses in your community.

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🛠️ Balanced Approach

If we want a thriving, fair economy, let's shift focus:

• Increase wages and improve working conditions

• Expand education, childcare, and healthcare for all

• Provide tax relief to the majority—not just the top 1%

• Fund infrastructure, clean energy, and public services

These steps create a strong, sustainable economy centered on the middle class—not billionaire bailouts.