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Obviously, people with low or even moderate incomes could not afford such savings rates, and even diligent savings from their low wages would not be enough to pay for either retirement or healthcare.

显然，低收入甚至中等收入的人无法负担这样的储蓄率，即使他们从低工资中勤快地储蓄，也不足以支付退休或医疗费用。

— William Greider 威廉·格雷德