TY - JOUR T1 - Why Don't Lower-Income Individuals Have Retirement Saving Plans? JF - Communities and Banking Y1 - 2015 A1 - April Yanyuan Wu A1 - Matthew S. Rutledge A1 - Penglase, Jacob KW - Income KW - Pensions AB - 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. PB - 16 VL - 16 IS - 1 U4 - pensions/income ER -