While we stand around arguing over mandates, filibusters and tea parties (and I thought we were a coffee-drinking nation), the Treasury gets worse every day. In fact, it makes Lehman Brothers look like Wal-Mart.

I know, while Obama moves on to financial reform – since health care reform so historically ran off the rails – those of us fortunate enough to still have jobs (and remain healthy) face a retirement as secure as a Toyota stockholder.

But nowhere among the administration's list of proposals will you find anything aimed at helping the middle class retirement saver. In fact, all the president proposes is the inclusion of a direct-deposit IRA in which we fund our own retirement. Yeah, that's gonna work. Because we all know what great savers American are all on their own, with little-to-no incentive. In fact, less than 5 percent of Americans contribute to personal IRAs right now.