LEADER 03551nam 2200625 a 450 001 9910824947303321 005 20240418002933.0 010 $a1-282-08888-2 010 $a9786612088889 010 $a0-300-14532-2 024 7 $a10.12987/9780300145328 035 $a(CKB)1000000000764809 035 $a(StDuBDS)AH23049970 035 $a(SSID)ssj0000270843 035 $a(PQKBManifestationID)11213185 035 $a(PQKBTitleCode)TC0000270843 035 $a(PQKBWorkID)10281343 035 $a(PQKB)11744745 035 $a(MiAaPQ)EBC3420442 035 $a(DE-B1597)485312 035 $a(OCoLC)567973979 035 $a(DE-B1597)9780300145328 035 $a(Au-PeEL)EBL3420442 035 $a(CaPaEBR)ebr10315703 035 $a(CaONFJC)MIL208888 035 $a(OCoLC)923592851 035 $a(EXLCZ)991000000000764809 100 $a20080118d2008 uy 0 101 0 $aeng 135 $aur||||||||||| 181 $ctxt 182 $cc 183 $acr 200 10$aWhatever happened to thrift? $ewhy Americans don't save and what to do about it /$fRonald T. Wilcox 205 $a1st ed. 210 $aNew Haven $cYale University Press$dc2008 215 $a1 online resource (176 p.) 300 $aBibliographic Level Mode of Issuance: Monograph 311 $a0-300-12451-1 320 $aIncludes bibliographical references (p. [147]-154) and index. 327 $aDo Americans save too little? -- Why Americans don't save enough -- The psychology of money -- Public policies that will increase savings -- A CEO's guide to increasing employee savings -- A household guide to saving. 330 $aIt is no secret that Americans save very little: every economic index confirms as much. But to solve the real mystery, we must ask the questions, "Why?" "What are the effects on our economy?" and "What can be done about it?" In this thoroughly researched and thought-provoking book, Ronald T. Wilcox clearly describes not only how the "savings crisis" adversely influences personal lifestyles over the long term but also how it can undermine our national wealth and standard of living. Wilcox cogently explains that savings are essential to fuel our nation's economic growth, whether it's putting money in the bank or in the form of direct loans to the government as savings bonds, for example. And, he presents unambiguous facts showing that a high proportion of current wage earners simply will not have enough money for self-support during retirement-and that the government safety nets for income and health can no longer be counted on. Most important, Wilcox examines the many rational and irrational reasons behind individuals' failures to put money away, what third parties such as corporations and government can do to help, and the steps people can take today to help themselves. The book is an attempt to reinvent thrift in the United States, to find practical ways to help people consume less and save more now so that we can be a richer people in the future and a more prosperous nation. It is a must-read for every corporate executive, policy maker, and concerned citizen. 606 $aSaving and investment$zUnited States 606 $aFinance, Personal$zUnited States 615 0$aSaving and investment 615 0$aFinance, Personal 676 $a332.60973 700 $aWilcox$b Ronald T$01719232 801 0$bMiAaPQ 801 1$bMiAaPQ 801 2$bMiAaPQ 906 $aBOOK 912 $a9910824947303321 996 $aWhatever happened to thrift$94116858 997 $aUNINA