In general not everyone withdraws at the same time, but there are generational demographic pressures. As more and more time progresses, the baby boomers will wi

In general not everyone withdraws at the same time, but there are generational demographic pressures. As more and more time progresses, the baby boomers will withdraw more and more of their savings - so one could characterize a set of outflow models of some sort there. The saved amount of discretionary pay going to younger generations is an inflow. I really don't know if the outflow will exceed the inflow, but I would note that younger generations live under many decades of squeezing of 'excess' margins in wages to labor. And that makes the question of wether the outflow will exceed the inflows much more of something to ponder.