Universal Savings Off‑Ramp

Expand small, birth‑seeded 'Trump Accounts' into a standardized Universal Savings Account (USA) framework that consolidates disparate tax‑preferred vehicles into a portable, universal private savings layer, then layer policy reforms (transition protections, phased decommissioning, targeted safety nets) so the federal retirement entitlement can be gradually wound down without an abrupt collapse in retiree incomes. — This reframes the Social Security problem from a single trust‑fund fix into a multi‑instrument transition: a privatized savings backbone (USAs) plus compensatory social insurance can allow policymakers to phase out pay‑as‑you‑go benefits while managing intergenerational equity and political feasibility.