In the halls of Congress, one frequently mentioned way to raise more tax money for the federal government is to drastically change the way about half of Americans save for retirement. Roughly 54 percent of Americans have 401(k)s or other retirement savings plans at work, and the government currently tries to entice workers to participate in those plans by rewarding savers with a tax deduction on whatever they sock away. But the deductions could be on the chopping block as Congress looks for revenue sources to make up for other tax cuts.