他的发现还会对公众或私人的退休金储蓄计划的制订有所帮助。
His findings also have implications for the design of both public and private retirement savings plans.
如果雇主告诉他们的雇员说现在有一项养老金储蓄计划，甚至保证也交纳和雇员同样多的钱，很大一部分雇员依旧不会参加。
If employers tell their new employees that a pension saving plan is available, and even promise to match employees' contributions, a significant fraction of employees still will not participate.
因为受储蓄的保护，他们拥有房子和丰厚的养老金，能够毫无恐惧地计划他们的生活。
Protected by savings, a house they own and a decent pension, they will be able to plan their lives without fear.
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