Fearful that Americans are not saving enough for retirement and that the federal government will be required to spend more in the future to support retired workers to maintain their standard of living, Congress passes, and the President signs, an act that requires every adult to set up a 401K retirement account and fund it with no less than 15% of their monthly income until retirement or age 65, whichever comes later. Andy sues, claiming that the legislation exceeds Congress's Article I powers. Which of the following statements is most likely true?
a) The legislation is likely constitutional under Congress's power to tax and spend for the general welfare
b) The legislation is unconstitutional as it violates individual autonomy
c) Congress lacks the authority to regulate personal savings and retirement accounts
d) The legislation may be upheld if it is a necessary and proper means to achieve a legitimate government interest