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401K Freedom: Open Private Investment for Everyday Workers

For decades, the best wealth-building investments were reserved for Wall Street insiders and political elites—while hardworking Americans were locked out.

President Trump’s proposed 401K rule puts Main Street first.

This reform expands access to private credit, infrastructure, and real estate investments through 401K retirement plans, giving everyday Americans the same tools long enjoyed by elites and government pension funds to grow their savings and secure their future.

Today, most private-sector workers rely on a 401K—a tax-advantaged, employer-matched account meant to reward long-term saving. But outdated regulations and fear of lawsuits have limited investment options, holding workers back and reducing long-term growth.

This 401K proposal restores fairness by:

  • Opening access to private markets
  • Giving Main Street workers the same opportunities as institutional investors and public sector workers
  • Strengthening retirement security through diversification and long-term growth
  • Letting Americans—not Washington—decide how to invest their own money

Use the form below to submit a comment directly to the Department of Labor urging them to move forward with this important reform and protect financial freedom for working Americans.

Personal messages make the biggest impact. You can customize your comment or use one of our templates—it only takes a minute to stand up for your retirement, your wealth, and your future.

End the Healthcare Black Box

Speak up before April 15

Americans are paying more for health care every year, yet much of the system that determines healthcare costs operates behind closed doors.

One of the least transparent parts of that system involves Pharmacy Benefit Managers (PBMs). These companies negotiate drug prices and manage prescription benefits for employer health plans. PBMs often receive payments such as rebates, administrative fees, and other forms of compensation tied to prescription drugs.

In many cases, the employers paying for health plans do not have clear visibility into those payments or how they affect the cost of care.

The Department of Labor has proposed a rule requiring PBMs to disclose their compensation to the employer and union health plans they serve.

This is an important step. Greater transparency would help employers and plan sponsors better understand where healthcare dollars are going and evaluate whether fees being charged are reasonable.

Employer health plans cover millions of workers and families, and the organizations managing those plans have a responsibility to protect the healthcare dollars workers contribute. Other service providers—such as insurers and third-party administrators—also receive compensation and control important pricing and claims data within employer health plans.

To properly protect workers and their families, employers responsible for these plans need full transparency across the system and access to the data necessary to evaluate costs and negotiate fair contracts.

Stronger transparency requirements will help ensure healthcare dollars are being used responsibly and can help employers improve benefits and manage rising healthcare costs.

The Department of Labor is accepting public comments now.

Submit your comment urging the Department to strengthen this rule so employers have the information they need to protect workers and their families.

It only takes a minute to speak up for transparency in health care.

Support Freelance Freedom: Speak Up Before April 28 

More than 70 million Americans earn income as independent contractors, freelancers, gig workers, and self-employed professionals. 

For many, this isn’t a side hustle—it’s how they pay their bills, support their families, and build their futures.

In 2024, a confusing federal rule put that freedom at risk.

The Biden-era rule imposed a complicated six-factor test that created uncertainty and established unnecessary restrictions on flexible work opportunities nationwide.

That means:

  • Fewer freelance opportunities
  • Less flexible work
  • Reduced income options
  • More workers pushed into rigid 9–5 roles

We’ve already seen what happens in states like California when similar restrictions were imposed: freelancers lost income, contracts, and their livelihoods.

Now, the Department of Labor is proposing a new rule to fix it—and they need to hear from the people who rely on independent work. Reversing the Biden-era rule and restoring clarity to protect freelance freedom. 

This reform protects:

  • Moms who build businesses around school schedules
  • Military spouses who move frequently
  • People with disabilities who need flexible environments
  • Rural workers earning remotely
  • Professionals supplementing income during inflation
  • Entrepreneurs building small businesses
  • Gig workers earning side income

If you value the freedom to work on your own terms, now is the time to speak up.

Submit your comment today and tell the Department of Labor to protect independent contractor freedom.

It takes less than one minute—but it could protect your ability to earn independently for years to come.

Personal messages have the greatest impact. You may customize your comment or use one of our templates.

Say No to Mutilation: Abolish Medical Transition Abuse for Minors

THIS COMMENT DRIVE IS NOW COMPLETE. THE FEDERAL TRADE COMMISSION RECEIVED AN OVERWHELMING RESPONSE OF MORE THAN 12,000 PUBLIC COMMENTS ON THE HARMS OF SO-CALLED “GENDER-AFFIRMING CARE” FOR MINORS. INDEPENDENT WOMEN ALONE MOBILIZED 2,000 CITIZENS—REPRESENTING 15% OF THE TOTAL. THANK YOU FOR SPEAKING UP. READ MORE

Too many children have been told by medical professionals that they were born in the wrong body and mutilated under the banner of so-called “gender-affirming care.”

The truth? These children—and in many cases, their parents—have been lied to.

These barbaric drug and surgical regimens are not life savers for transgender-identifying children—they lead to life-long medical complications.

  • Testosterone leaves girls with vaginal atrophy and lacerations, clitoral enlargement, facial hair growth, vocal hoarseness, menstrual irregularity and suppression, as well as suppression of ovulation, which can lead to sterility.
  • Estrogen puts boys at higher risk for blood clots and sterility.
  • Surgeries like vaginoplasty—which surgically cut off the penis and create a gaping wound (“neovagina”) that is prone to infection—and double mastectomy are irreversible.

Thankfully, the Federal Trade Commission (FTC) is now investigating whether the pediatric gender medicine industry has deceived families by hiding risks and making false claims. As Independent Women ambassador Prisha Mosley, a detransitioner, told the FTC, This is the greatest medical scandal of our lifetimes. Doctors are selling patients snake oil—no human can change sex.

It’s well past time to call this so-called “gender-affirming care” out for what it actually is: a lie. Our most vulnerable Americans—our children—deserve better.

We have until September 26th at 11:59PM ET to weigh in. Use the form to easily submit a comment directly to the Federal Trade Commission and urge them to crack down on the mutilation of minors. 

Personal your comment for even greater impact.

Tell the Department of Labor to Expand In-Home Care

THIS COMMENT DRIVE IS NOW COMPLETE. INDEPENDENT WOMEN MEMBERS SENT OVER 1,500 UNIQUE COMMENTS TO THE DEPARTMENT OF LABOR. THANK YOU FOR SPEAKING UP. READ MORE

Speak Up Before Sept. 2 at 11:59 PM ET

Too many families are struggling to find affordable in-home care for aging loved ones. Outdated federal regulations—specifically the 2013 Home Care Rule—have made it more difficult (and more expensive), if not impossible, for seniors to get the care they need at home. 

This rule removed a key exemption in federal labor law, forcing most in-home caregivers into rigid overtime requirements. That means: 

  • Families can’t secure the kind of care their loved ones need
  • Aging Americans are pushed into institutions, under-the-table arrangements, or left attempting to provide the care themselves

But there is hope.

The Trump administration’s Department of Labor has proposed a new rule to reverse the 2013 changes and help make in-home care more affordable and accessible for seniors.

If finalized, this Trump rule would: 

  • Reinstate the pre-2013 definition of companionship services, allowing many in-home caregivers, including those employed through third-parties, to qualify for an exemption from overtime requirements once again. 
  • Make in-home care more accessible and affordable again, so more families could find the help they need in the comfort of their own homes.
  • Give families and workers more freedom and flexibility.

Now is the time to speak up: We have until September 2 at 11:59PM ET to weigh in.

Use the form to easily submit a comment directly to the Department of Labor and urge them to move forward with this important rule. 

Personal messages make a bigger impact. Customize your comment or use one of our templates—it only takes a minute to make your voice heard.

Thank you West Virginia for Defining What a Woman Is!

West Virginia knows what a woman is! Governor Morrisey recently signed the commonsense “Riley Gaines Act” into law.

“The Riley Gaines Act”: 

  • Fortifies the definitions of “male” and “female” terms in law; 
  • Protects the existence of women’s single-sex spaces; 
  • Protects the integrity of sex-based data collection. 

Thank the West Virginia Legislature and Governor Morrisey for standing with women! West Virginia is leading the way in safeguarding the rights and privacy of women and girls!

We also encourage you to show your support on social media. Share this graphic!