Give me 100% of the money I already put in.
OR
Give me a federal tax credit for 100% of the money I already put in.
Let me direct investment of the 12.4% of soc. sec. tax that comes out of my check either as employee or owner. Of that 12.4%, allow me to direct what ever is needed for long term disability, life insurance, and long term care.
I'll settle for 50% and 6.2%. The other 6.2% goes towards current retirees and zeroes out when no one else is left on the old system.
No max on IRAs of any kind.
Remove the cap on social security.