Social Security is forecast to run out of money in the next 18 years. Moreover, more and more citizens are not saving for retirement citing low wages, high inflation, high taxes (including the social security tax), and increased housing prices. You have been hired by the Feds to consult on better policy that will A) continue the viability of Social Security and B) entice citizens to plan for and invest on their own for retirement. What analysis would you do and what recommendations would you give?