I'm doing a masters in law http://xnxx-xnxxcom.in.net/ xnxx A: The government should offer financial products that don't have fees attached. One suggestion that impressed me is if you hit 65 and have only saved, say, $100,000, the government sells you an annuity that bumps up your Social Security payments. Americans who haven't been able to save enough or were hard hit by the Great Recession would benefit the most.