With all that money printing, unless you get a 7% raise every year, you are talking home less purchasing power. Then, when you get to retirement, all of that saved money in sociall security, or your IRA, or 401k, are also dropping in purchasing power by 7% each year.  While you are working, you think you'll have a good retirement. When you get there, there numbers are large, but they are small compared to what you actually need. They are even stealing your retirement!