Several previous postings (“Government Steps in to Help Us Again”, January 21, 2019, “Government Mandate to Help Ourselves”, May 2, 2019) have lamented the duplicative efforts of numerous states to initiate programs that will purportedly address the looming retirement crisis in the United States. At present, Oregon, California, Illinois, Connecticut, Maryland, and Massachusetts have efforts at various stages of implementation that seek to cause more individuals to prepare for their own retirements. Most programs have a degree of “coercion” imposed on the employer and usually rely on a mandatory payroll deduction strategy to channel the payroll dollars into the state-sponsored program. While each of the state plans can be credited with having a worthwhile objective, none have introduced anything that hasn’t previously been available at the federal level, in some cases for as long as forty years. Individuals merely had to exercise some personal initiative by opening an IRA with a private financial services firm.