It is a function of culture.  And experience.  People who lived through the Depression or lived in another country where resources are hard to come by are more likely to be savers.<p>People who&#x27;ve been handed everything often don&#x27;t prepare for the future.<p>People who understand the magic of compound interest are more likely to be savers.<p>People who&#x27;ve grown up with the government punishing savers, not so much.  Perhaps they even think those who save are weird or outliers.