How about a rational change in congressional pay. Perhaps we ought to make congressional pay equal to the 75th percentile of US wage earners, effectively dropping their salaries from $174,000 to $80,000 saving $94,000 per congressman or $50 million yearly. Not only would this save the Government money, it would shift congressional income into a range where they had the ability to understand how “normal” people live. Currently their salaries are in the 94th percentile.
Since the pension calculations are based on salary I think that fixing the salary problem would fix the pension problem.