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ceiling bill. the vote was 63 to 36. it comes some 24 hours after the house passed the same bill. it raises the nation's debt limit -- while also imposing new caps on spending. and now goes to the presidents desk for his signature, with four days to go before the monday default deadline. let's get straight to nbc news capitol hill correspondent ali vitale, who has been standing by for hours and hours. all, right ali vitale. it happened. how did this whole thing go down tonight? >> yeah, it was less with a bang and more with a whimper, stephanie ruhle. weeks and weeks of high stakes n...

down tonight? >> yeah, it was less with a bang and more with a whimper, stephanie ruhle. weeks and weeks of high stakes negotiations here in washington covering each and every turn of them, as speaker mccarthy and his top allies huddled with top white house officials over the course of several weeks to hammer out this deal. and now the senate finishing it up in the dead of night, sending it now to the presidents desk, and avoiding default, with the days to go until that ex date deadline on monday. that's good news. and frankly, i have to tell you, that we have seen a lot of these lat...

Matthew was just one when his parents discovered he had a sight impairment. His cataracts had him turned away from pre-school at age 4.

Withdrawal is tax protected. and we know that only 1 in 12 dollars go into roth iras. >> right. >> meaning, the kind of proposal the republicans are offering us now, we know that people don't like it and, yet, that's the system the republicans seem to want to move to. >> what's the gain, seth? why propose this? this is a very bad thing. if americans already don't save enough, we are thankfully living longer with less money. why would the government want to go in this direction? when you have elderly people who run out of money, it somehow ends up being the government's problem. >> that's preci...

Americans to begin to build a nest egg. >> a generation of baby boomers facing retirement with savings depleted from the recession. and a culture of instant gratification has led to a nation unprepared for its financial future. >> there's no question that americans with lower incomes and even millions of middle income americans don't save enough. >> and like obamacare, a large number of young people would need to join in to make this work. the my r.a. plan would enable workers to save with a deposit as little as $20 and contribute as little as $5 each payday. the accounts would be portable fro...