is the saving motive that most exemplifies the selfish life-cycle model, is of dominant importance in Europe strongly … because social safety nets are not fully adequate. Our finding that saving motives that are consistent with the selfish life-cycle … model as well as saving motives that are consistent with the altruism model are important in Europe implies that the two …

is the saving motive that most exemplifies the selfish life-cycle model, is of dominant importance in Europe strongly … because social safety nets are not fully adequate. Our finding that saving motives that are consistent with the selfish life-cycle … model as well as saving motives that are consistent with the altruism model are important in Europe implies that the two …