What do you want to do when you've finished? <a href=" http://www.prisonersonthemove.eu/custom-writing-utensils#disappointed ">cleanliness is next to godliness essay</a> The current personal savings rate in the United States is not a number to inspire confidence. Yes, it has almost doubled in the past five years. However, the current rate remains only half what it was fifty years ago. Furthermore, not everyone is saving (baby boomers are more likely to have a retirement account than other generations).