number one, limit the amount you can put into a 401k. that would limit the tax break you get on that money. proposal number two, entirely eliminate the tax break for monti you put into an ira or 401k. you get the tax break when you take it out at far end. that would raise a great deal of money. the estimate is $410 billion. wait amount to is a stealth tax on the middle class. you are not just taxing millionaires and billionaires. you are reaching down into america's middle class by changing the tax breaks on their private pension plans. martha: you be undercutting the premise of the whole 401k plan which is to encourage retirement