Trump Proposes New Retirement Account for US Workers Without 401(k) Access

U.S. dollar bills in Washington on Nov. 13, 2025. Madalina Kilroy/The Epoch TimesDuring his State of the Union address Tuesday, President Donald Trump said he plans to create a new retirement program that would give Americans without 401(k) plans access to an account.Approximately 56 million Americans lack access to an employer-sponsored retirement plan, according to the Economic Innovation Group. This has left many workers missing out on the stock market’s record-breaking performance over the past 15 years.