Americans aren't saving—or saving enough—for retirement, and the country is heading for a crisis as boomers leave the workplace in ever-increasing numbers.

But in a blog post at Seeking Alpha, Patrick Gunn has come up with an idea that he believes will solve the problem.

Stimulated by changes to the military retirement plan that have included expansion of the government's Thrift Savings Plan, Gunn proposes that the TSP be expanded again—to include all working Americans—and to make it mandatory to save a minimum contribution in a TSP account as a means of retirement savings.

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