Individuals may have come to value future consumption, in retirement, over current consumption – the reverse of the traditional relationship. We are beginning to appreciate that in our productive years we must work harder, because our retirement years will be longer and healthier, and the income support provided by our governments and employers will be far less generous than they used to be.
此外，过度储蓄也许不再仅仅是一个周期性现象。个人也许需要比当前消费更重视退休后的未来消费——这与传统关系正好相反。我们正在开始认同，在工作年份，我们必须更加努力地工作，因为我们的退休生活将会更长更健康，而我们的政府和雇主所提供的收入支持将比过去大大减少。换句话说，现在增加储蓄是一种理性行为。