I like the idea of automatic savings for everyone. Make it a little extra work to get it out to spend itI have mixed feelings about low earners and low savers. I have been preaching Roth IRA's to the young people I am related to since I learned about them.In almost every case, they have pulled the IRA to pay the mortgage when they got laid off or had a medical emergency.With the optimism of youth, none believe that the worst can happen, and that they need an emergency savings account. Why? They have easy credit with credit cards.I would like to see it almost impossible to pull your ROTH if the final result is to replace SS.
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