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Why Don't Americans Save? Savings Rate Declined Over Past Two Decades (PDF)
Center for Retirement Research [CRR] at Boston College 
Nov. 18, 2004 34 pages. Excerpt: This paper provides an examination of the decline in the household saving rate over the past two decades from both the macroeconomic and microeconomic perspectives. Between 1980-84 and 2000-04 private saving fell more than 8 percentage points of U.S. GDP. At the aggregate level, about 40 percent of the fall in the household saving rate occurred within contractual retirement accounts, that is, within employer-sponsored and individual retirement plans. MORE >> |
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