For your consideration ...
How in the hell is this gonna happen? When the level of monetary theft via all taxation schemes, and the inflation tax, from all levels of all governments keep people from saving anything near what they would need to counter inflation over their working lives? While at the same time trying to maintain a simple American standard of living?
Too funny of a statement coming from a person that, as a federal employee, does not pay into social security. And that benefits greatly from not having to do so since any monies that would be taken for SS is, or could be, invested in FERS and TSP; actual defined retirement plans.
Federal employees have been benefiting from, and sucking at, the federal teet for far to long. While those in the private sector suffer.
"BUT - I do feel that busting on federal employees is the popular go-to - but it's penny-wise and pound foolish." Awwe. Is someone beginning to feel the heat coming? If you are not employed within a governmental department that was granted to the Federal Government by the States via the enumerated powers listed in the US Constitution, then it would be wise for you to start planning for your retirement.
It is now the time for the MRIF. MAGA Reduction In Force.
BTW: Another mis-used word, "earn." Money does not "earn" money. Fool. People "earn" money.
Good. Sure, we my lose some good ones, but on the whole we will be far far better off in the long run. It's good that you are paranoid. It means that the message has been received that the plug has been, or is soon to be, pulled and many are, or will be, circling the drain. Better get that life vest ready.