The link is to a 15 page pdf--too long to post here in its entirety. However, it is clearly written and is, I think, a well-made argument. Here is the link:

http://www.cato.org/pubs/handbook/hb108/hb108-25.pdf

And here is the policy proposal:

Congress should allow young workers to redirect their payroll
taxes to individually owned, privately invested retirement
accounts.

WW