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For some time now there have been complaints that Irish people are stockpiling too much money away in savings instead of spending and keeping the economy ticking over. Some ten years ago the story was an entirely different one when the government of the day introduced an unbeatable SSIA savings scheme, offering €1 on every €4 euro saved, up to a maximum contribution of €50 per month on every €250 saved. Despite demands for this 'free money' to be stopped by some public figures who wanted it siphoned off in the direction of social welfare, the scheme ran for five years, generating an attractive €20,000+ lump sum for those fortunates who could avail of the maximum top-up.