美联储：富人真的存得更多吗？用SCF直接测量终身收入和扩展财富概念回答一个老问题（英文版）

The question of whether affluent households save at a higher rate than other parts of the distribution has been asked by economists on numerous occasions since the 1950s. It is standard in this research to define affluent, or “rich,” households as those with high lifetime earnings or income to better ground the empirical question in relevant theory. However, results in the literature are mixed regarding whether rich households in fact save more than others, with some studies suggesting a gene