Richie, I know of Junior Bush's plan and I am kind of surprised you would support it since it was to allow only a portion of retirement to be invested in an approved fund within government guidelines.

What I meant in my post was an opportunity for the employee to opt completely out of any government retirement plan and do it 100% on their own - investing in whatever they wanted to to (legally, of course). This is the completely government out of my business approach that it seems most conservatives would like. The employee would be able amass whatever fortune their investments would pay.

Of course, the 100% opt out would not let them back in at a later date and would not offer any government remedy if they did not have anything to live on when they got old (except maybe the refrigerator carton).

Do you think that is a good idea or not - and would you recommend that for your children?