"Some languages such as English make a grammatical distinction between the present and the future.... Linguists categorize English and languages with similar treatment of tenses as strong future-time reference (strong-FTR) languages. Weak-FTR languages such as Estonian, German, and Chinese make weaker demarcations between the present and the future.... [One researcher] finds that those who speak weak-FTR languages are more likely to save and, on average, accumulate more wealth for retirement than those who speak strong-FTR languages."