@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} }