Freedom and Responsibility

In The Last Gaffe?, ironically subtitled "The president's chief economic adviser has a problem with the truth", Jacob Sullum writes,

Restoring to Americans the freedom and responsibility to save and invest for their own retirements is a fine idea, and over the long term it will permit better returns than are promised under current law. Total "benefits" will be higher, even if the portion paid by the government is reduced based on the amount diverted to personal accounts.