We saved up for nearly 18 years, only to find out that our return is actually less than we put in. We were promised double what we put in, I expected to just get 1.5 of what we put in, pretty disappointed to find out it is actually less than the amount we "saved". They pretty much steal the amount the government is putting in, so basically you miss that whole amount. It would have been better to put it in a sock onder our mattress, because we didn't even get intrest if you do the math. If we would have put it in a piggy bank we would have more, because we would still be able to apply for government grands. What a scam!