Key Points Contribution limits are rising for IRAs in the new year. Not only can savers under 50 put more money into an IRA, but the catch-up has increased, too. Try your best to max out an IRA so you're able to pull off the retirement of your dreams. The $23,760 Social Security bonus most retirees completely overlook › There's a reason working Americans are strongly encouraged to save well for retirement. Social Security's average retirement benefit is only a bit more than $2,000 a month. You m ...