According to PlanSponsor.com, a recent Internal Revenue Service bulletin "reminds low- and moderate-income workers that they still have time to take steps to get the full benefit for the saver's credit...Also known as the retirement savings contributions credit, the saver's credit helps offset part of the first $2,000 workers voluntarily contribute to Individual Retirement Arrangements (IRAs), 401(k) plans, and similar retirement programs."
Full article.