Washington Saves launches July 1, 2027, automatically enrolling workers without employer retirement plans into an IRA at a default contribution rate ranging from 3% to 7%.
Choosing a Roth over a traditional auto-IRA keeps withdrawals tax-free and invisible to the Social Security formula that determines benefit taxation.
Even modest savings before full retirement age can fund delayed Social Security claiming, worth roughly 8% more per year than filing early.
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Picture a 59-year-old woman in Tacoma who has waited tables, run a register, and answered phones at a seven-person insurance office. Decades of steady work, zero years with a 401(k). Her retirement plan has always been Social Security. Then a letter arrives from her employer explaining that starting July 1, 2027, she is being automatically signed up for something called Washington Saves.

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