A local lawmaker has introduced a bill in Congress that would create universal, portable retirement and investment accounts.  4th District Congressman Jim Himes says this will move the nation's retirement system into the 21st century.  The  Portable Retirement and Investment Account Act will provide more workers with access to flexible, portable benefits such as retirement savings that will carry with them from gig to gig.  Under the proposal, every American will receive a PRIA at the same time they receive a Social Security Number. PRIAs will be administered by an independent board and managed by selected financial institutions.  He noted that the options workers currently can access differs significantly based on their area of employment,  and part-time workers are often ineligible.  The Federal Reserve calculates that half of Americans have not saved enough to retire at their current standard of living.  According to the 2020 Report on the Economic Well-Being of U.S. Households by the Federal Reserve, around 35% of Americans work outside of traditional full-time jobs, in the gig economy.