Read the sibling's comment because this is incorrect: > Bottom line is, savings are absolutely, definitely, and crucially not "money not being used". By defin

Read the sibling's comment because this is incorrect: > Bottom line is, savings are absolutely, definitely, and crucially not "money not being used". By definition, "savings" are not being used. Had they been used trickle-down economics would have been an awesome policy. You'd just put more money on rich peoples' bank accounts and the money would magically reappear in someone else's pockets! The median American retirement fund is about $90,000. Regardless how you count that is not a lot.