,,iii  #aacth ,,congress  #ast ,session 
,s4 ,,res4 #bbb  ,,in ,,the ,,senate    
,,of ,,the ,,united ,,states  ,september
 #aa1 #bjac ,mr4 ,cardin 7for himself   
and ,mr4 ,enzi7 submitted the following 
resolution2 which was considered and    
agreed to  ,,resolution  ,supporting the
 goals and ideals of ,national ,save for
 ,retirement ,week1 including raising   
public awareness of the various         
tax-preferred retirement vehicles and   
increasing personal financial literacy4 
,whereas people in the ,united ,states  
are living longer1 and the cost of      
retirement is increasing significantly2 
,whereas ,social ,security remains the  
bedrock of retirement income for the    
great majority of the people of the     
,united ,states but was never intended  
by ,congress to be the sole source of   
retirement income for families2 ,whereas
 recent data from the ,employee ,benefit
 ,research ,institute indicates that1 in
 the ,united ,states1 less than #c_/e of
 workers or their spouses are saving for

 retirement1 and the amount that workers
 have saved for retirement is much less 
than the amount they need to adequately 
fund their retirement years2 ,whereas   
the financial literacy of workers in the
 ,united ,states is important to their  
understanding of the need to save for   
retirement2 ,whereas saving for         
retirement is a key component of overall
 financial health and security during   
retirement years1 and the importance of 
financial literacy in planning for      
retirement must be advocated2 ,whereas  
many workers may not be aware of their  
options in saving for retirement or may 
not have focused on the importance of1  
and need for1 saving for retirement2    
,whereas1 although many employees have  
access through their employers to       
defined benefit and defined contribution
 plans to assist them in preparing for  
retirement1 many of those employees may 
not be taking advantage of those plans  
at all or to the full extent allowed by 
,federal law2 ,whereas saving for       

retirement is necessary even during     
economic downturns or market declines1  
which makes continued contributions all 
the more important2 ,whereas all        
workers1 including public and private   
sector employees1 employees of          
tax-exempt organizations1 and           
self-employed individuals1 can benefit  
from developing personal budgets and    
financial plans that include retirement 
savings strategies that take advantage  
of tax-preferred retirement savings     
vehicles2 and ,whereas the week ,october
 #bj through ,october #bf1 #bjac has    
been designated as ,national ,save for  
,retirement ,week3 ,now1 therefore1 be  
it  ,that the ,senate--  7#a7 supports  
the goals and ideals of ,national ,save 
for ,retirement ,week1 including raising
 public awareness of the importance of  
saving adequately for retirement2  7#b7 
supports the need to raise public       
awareness of a variety of ways to save  
for retirement that are favored under   
the ,internal ,revenue ,code of #aihf   

and that1 although utilized by many     
people in the ,united ,states1 should be
 utilized by more2 and  7#c7 calls on   
,states1 localities1 schools1           
universities1 nonprofit organizations1  
businesses1 other entities1 and the     
people of the ,united ,states to observe
 ,national ,save for ,retirement ,week  
with appropriate programs and           
activities1 with the goal of increasing 
the retirement savings and personal     
financial literacy of all people in the 
,united ,states4