@article {8209,
	title = {Why Don{\textquoteright}t Lower-Income Individuals Have Retirement Saving Plans?},
	journal = {Communities and Banking},
	volume = {16},
	year = {2015},
	pages = {16-19},
	publisher = {16},
	abstract = {Lower-income individuals  lower employment rate and the smaller probability of their working for an employer that offers pensions underlie the pension gap between higher- and lower-income groups.},
	keywords = {Income, Pensions},
	author = {April Yanyuan Wu and Matthew S. Rutledge and Penglase, Jacob}
}
