Not much again at 1.5% and the last one was 1.7%.
There's something to be said for pre planning, in terms of builing a nest egg.

I don't think SS, was ever meant to be the sole source of retirement funds. It would be nice if some companies didn't cut out their pension benefits, like IBM, "I've Been Moved", or "Italian Bread Man".
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"It doesn't cost "nuttin", to be nice". 
MOM
I just want to do the right thing! Uncle Joe, (my hero).