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Savings Between Cohorts -- The Role of Planning (PDF)
University of Michigan Retirement Research Center [MRRC] 
Aug. 8, 2006 46 pages. Excerpt: [The authors] compare the saving behavior of two cohorts: the Early Baby Boomers (EBB, age 51-56 in 2004) and the HRS cohort (age 51-56 in 1992). [The authors] find that EBB have accumulated more wealth than the previous cohort .... [However], for both the EBB and the HRS cohort, lack of planning is tantamount to lack of saving irrespective of the many changes in the economy between 1992 and 2004. |
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