This is the government programming, budgeting, and execution system. I wish more Americans paid attention to how it works. There is no imperative to save money. If your annual allotment is not spent then you will not receive that amount dueing the next fiscal year. You get less the next time around. This creates a mass SPENDEX during Septmber (the last month of the Fiscal Year). Spending then is always rushed, unplanned, opportunistic, superficial, and wasteful. If any of us ran our personal spending this way we would be in perpetual debt.