Savers have the odds stacked against them these days. Deposit interest rates remain at historic lows, and based on Federal Reserve policy, you could argue that the government today wants you to spend more than it wants you to save. As tough as that makes it on savers, it's all the more reason to fight back and insist on beating the odds. In late January, the Bureau of Economic Analysis released new data showing that the personal savings rate in the U.S. was just 3.9 percent in 2012. That's a low level of savings -- until the 1990s, personal savings rates were routinely in the 7-8 percent range. It also represents the second consecutive year in which U.S. savings rates have dropped. Some say this is inevitable. With interest rates so low, where's the incentive to save? The answer is that you have to think longer term. You might not get much of an immediate reward from savings account interest today, but the reward will be having money available when you need it in the future. From that perspective, here are five incentives to start saving more money now.