Even with these retirement saving incentives, the personal saving rate has steadily declined.
With retirement saving incentives the personal saving rate still declined
uh yeah i just keep thinking all the time i mean it it's really rough to keep yourself on a strict budget for a long long time when your you know your priority at least mine is to save for the house but then it's awful hard to really scrimp for a long long time and keep putting all the money into that down payment you feel like you want to live a little bit in the meantime