Nicole Gelinas wants to change how we prepare for retirement:

Right now, people can contribute only $5,000 a year before taxes to personal-retirement accounts outside their employer plans—a ridiculously low amount. The government should invite people to save all they can, eliminating the annual limit and imposing only a lifetime limit of $1 million. Those who don’t like the 401(k) plans that their employers provide or simply want to save more outside those plans would then have a substantive choice.