Americans now spend about 75% of their income on necessary "fixed expenses." Add a 2.5% rebate to the remaining 25%, and you've just received a 10% boost to your real spending power. And since it's tax free, it can feel much like a 15% raise. In the long run, you'll watch it add up to big dollars: For example, getting $300 per year for 10 years is $3,000.

Live long enough, and you might take your grandkids on a world cruise someday... I hear accomodations are a lot better now than those two times I sailed to England!