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Trump makes major change to retirement
plans — and order could impact 56M Americans

Original Article

Posted By: 4250Luis, 4/30/2026 7:45:07 PM

President Trump has signed an executive order to create retirement accounts for tens of millions of workers who don’t currently have access to a 401(k) or another workplace plan. “I promised to make the same types of retirement accounts enjoyed by federal employees available to all Americans, and that’s what we’re doing. It only seemed fair,” he said during the signing ceremony in the Oval Office. Low-income earners without an individual retirement account (IRA) through their employer will receive a yearly federal matching contribution of up to $1,000 each, the president noted.

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Reply 1 - Posted by: sunset 4/30/2026 8:05:23 PM (No. 2099229)
Or they could choose to spend that $165 on a case or two of cigarettes.
7 people like this.

Reply 2 - Posted by: kono 4/30/2026 8:18:12 PM (No. 2099233)
Another avenue to be exploited by fraudsters.
18 people like this.

Reply 3 - Posted by: Sunhan65 4/30/2026 9:42:40 PM (No. 2099272)
Fair to whom? "Low-income earners" or "tax paying providers"? With the exception of the truly handicapped, my experience is that low income earners also make low income decisions and sometimes high outcome expenditures. Next time you see a low income earner, check out their cell phone. Then ask yourself if you want to pay for their retirement or yours? Sooner or later the government's going to run out of other people's income to spend.
42 people like this.

Reply 4 - Posted by: cor-vet 4/30/2026 9:53:00 PM (No. 2099277)
I'm retired and I don't remember the government giving me 'federal matching contributions' to my 401k. My company and I facilitated my retirement. I'm getting kind of tired of constantly being put on the hook for 'low-income' earners. I know I don't sound very Christian when I say this, but where's the incentive to excell, if Uncle Sugar ( the hard working tax-payer) is having to take care of you?
48 people like this.

Reply 5 - Posted by: DVC 5/1/2026 2:04:49 AM (No. 2099295)
Taking forced distributions from our IRAs now for several years. LOTs of taxes being paid now, but we made a lot of money on our investments. Paying a lot of taxes is one of those problems that's kinda nice to have.
15 people like this.

Reply 6 - Posted by: mifla 5/1/2026 6:29:36 AM (No. 2099319)
Taxpayers who stay out of trouble and pay their bills get what? A politician yelling "pay your fair share!" at them?
36 people like this.

Reply 7 - Posted by: thethirdruffian 5/1/2026 7:02:48 AM (No. 2099332)
I’m tired of the giveaways of my money.
35 people like this.

Reply 8 - Posted by: Strike3 5/1/2026 7:41:47 AM (No. 2099343)
They already have one, it's called a savings account. The people on welfare, SNAP, EBT, etc. have it even better, they don't have to go to work every day. If democrats can create dead voters they can create dead workers.
15 people like this.

Reply 9 - Posted by: felixcat 5/1/2026 7:41:55 AM (No. 2099344)
Why are so called “low earners” deemed a special case for more tax dollars? Not everyone can be wealthy or even middle earners.
12 people like this.

Reply 10 - Posted by: kdog 5/1/2026 8:02:22 AM (No. 2099351)
Another entitlement program that will balloon, costing taxpayers multiple times what actual beneficiaries receive. The day will come when we'll be paying both sides of the equation since some "hardworking" people just can't come up with $165 a month. Eventually it will be just one more enticement to keep certain demographics out of the workforce.
12 people like this.

Reply 11 - Posted by: janjan 5/1/2026 8:04:53 AM (No. 2099352)
Another giveaway on the taxpayer backs. If they manage it the way they did PPP loans this will become a new revenue stream for every fraudster in the country - and beyond. Illegals will undoubtedly be included but we’ll be told that is a conspiracy theory. It is a proven fact that the Government can’t manage anything effectively and honestly.
12 people like this.

Reply 12 - Posted by: Sorosisbehindit 5/1/2026 8:26:47 AM (No. 2099358)
No worries. Low income earners can't save or think past the current month.
7 people like this.

Reply 13 - Posted by: VietVet68 5/1/2026 9:15:09 AM (No. 2099374)
During my working life I invested all I could, maxxing out my 401K contributions, did without things I wanted but had to stretch to afford. Now in retirement I actually make more money than I was making in my career. Remember how they talked about how you'd be in a lower bracket when you retired...not so fast. The government is still taking out taxes at the same rate as when I worked. The Trump Big Beautiful Bill was a great thing but didn't help me at all. As a retiree when do the breaks start coming my way? This may sound like it but I'm not complaining, in the scheme of things I'm well off, I'm just wondering what's going on.
20 people like this.

Reply 14 - Posted by: Charlesqx 5/1/2026 10:07:13 AM (No. 2099397)
How many TRILLONS of dollars were made on our 401(k)s over the years by corporations handling our money, that WE are now paying taxes on? How about giving us a tax break on our 401(k)s being that inflation has overrun many of our retirement expectations? Before Biden, many of our retirements looked comfortable, now much of it was eating up by inflation and no way to make it up.
12 people like this.

Reply 15 - Posted by: jimkata 5/1/2026 10:55:51 AM (No. 2099408)
Trump is good in a lot of ways , but he is from New York where they think government should always get involved. How is this any different than George McGovern's pledge of $1000 to every American. That help give Nixon the largest election victory in history. Point is there are poor who cannot work, and aid should be provided, but there are poor who like the way they live. This action will be fraught with fraud.
4 people like this.

Reply 16 - Posted by: DVC 5/1/2026 11:35:25 AM (No. 2099426)
Re #14, I don't think that corporations made "trillions" managing anyone's 401k accounts. Those fees are typically a tiny, tiny fraction of the account balance, unless you had some weird 'management' that I never have heard of.
2 people like this.

Reply 17 - Posted by: MickTurn 5/1/2026 11:59:29 AM (No. 2099441)
One thing. Investment Vehicles MUST be Audited every 6 months to verify they are legitimate. This EO will shake the trees and all the NutJob Fraudsters will fall out of the trees and infest our Country! Look at the current FRAUD going on in Blue States! Investment Vehicles must be covered under an FDIC or similar program as well so investors never lose any money, Set up all investments similar to good Annuities, govt. regulated, make money when markets go up, never lose a penny when they go down.
4 people like this.

Reply 18 - Posted by: J. Arthur Brown 5/1/2026 12:06:48 PM (No. 2099447)
The tax credit is limited to a thousand dollars a year and can be no larger than the amount saved that year by the recipient. It provides an incentive to get into the habit of saving money and as a result many will retire with significant savings accounts who otherwise would have no savings at all. This is the kind of outside-the-box thinking I voted for when I cast my ballot for Donald Trump.
7 people like this.

Reply 19 - Posted by: lakerman1 5/1/2026 2:06:37 PM (No. 2099486)
18 gets it.
4 people like this.

Reply 20 - Posted by: Mike22 5/1/2026 2:25:05 PM (No. 2099493)
My wife started work at 8 years old (family business). I started at 15 in a W-2 job. We both paid our way through college as our middle class parents were too "Rich" to receive any government assistance. We both graduated in the top 10% for our degrees (2 each), joined the workforce, worked hard, saved for the future, and paid a fortune in federal and social security taxes. We saw no tax benefit from the big beautiful tax bill, instead a further escalation in the Marxist progressive tax structure with our full Social Security tax still in place. There should be "no tax on social security" as promised. Social Security is based on the money we paid in. And the expectation that we would receive our SS payment based on our contribution. We are still paying the full tax while now the "less fortunate" pay less. We are told that it is only fair. What is fair about the current system? Now this is one more. And we know that they waste billions (probably at least a trillion) per year on fraudsters, scammers and programs that are at best idiotic. Without any apparent cost to the fraudsters and enablers. Why did we do the "right thing"?
5 people like this.

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