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Efforts to reform entitlement spending should recognize the following factors: 

Higher levels of government should provide adequate resources when mandating functions to lower levels of government.

Services should be implemented and operated by the level of government that can most appropriately and efficiently deliver them. 

Government workers should continue to have access to defined benefit (DB) plans. 

Modifications to retirement plans or plan formulas should hold harmless current beneficiaries and employees. They should also ensure the retirement security needs of future retirees. 

Policymakers should adopt new and expanded progressive savings incentives. 

Congress should make improvements to the saver’s credit. The credit should be phased out gradually and smoothly as income increases. Income limits for receiving the credit should be increased.

States should establish state-facilitated savings arrangements that will increase employee participation in retirement plans.

Congress should pass legislation establishing an Auto IRA and resolve the technical issues that will allow this vehicle to realize its full potential. 

Policymakers should create and expand supplemental individual retirement savings accounts that would enable workers to accumulate retirement savings in addition to Social Security’s guaranteed bene