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How Americans Save

This two-part 70-page report describes savings trends, assesses their causes, identifies research gaps in the understanding of saving behavior, and generates new evidence on barriers to saving and how those barriers can be overcome. Part I reviews and synthesizes research findings in the area of saving behavior. Part II uses the Health and Retirement Study (HRS) to evaluate the relative importance of personal characteristics, experiences, and attitudes in determining the amount of savings held by older adults.

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Full Report (PDF)

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