With a savings rate of barely 4% of GDP, the average US household is unlikely to be over-saving. Sensible policy lies in improving the capabilities of the workforce across the country, so that they can get sustainable jobs with steady incomes.
美国的储蓄率只有GDP的4%左右，平均而言，美国家庭的储蓄绝非过剩。有效的政策在于改善全国劳动力的能力，从而让他们获得可持续的工作和稳定的收入。这需要时间，但是可以找到的最佳选择。