I've never wanted to downvote you before. I can relate to your complaint, but it's a distraction from the topic at hand. If "savings account" excludes retireme

I've never wanted to downvote you before. I can relate to your complaint, but it's a distraction from the topic at hand. If "savings account" excludes retirement and investment accounts then the article means nothing. If not, your assumption that a rate of return motivates the use of savings accounts is off.