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Overview of a NBER 'Simplification Raises Saving Rates'
National Center for Policy Analysis [NCPA] 
May 17, 2007
Excerpt: Criticisms of America's low national savings rate often hinge on the assumption that this low savings is driven by Americans' proclivity for excessive spending. But according to researchers with the National Bureau of Economic Research (NBER), the complexity of establishing a savings plan can also play a role in deterring saving.
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