Is there a clear contradiction between 'Even as more people are accumulating balances through employer-sponsored 401(k) saving plans and individual retirement accounts, personal saving-which does not reflect gains on existing assets-has declined.' and 'Personal savings have declined.'
Even as more people are accumulating balances through employer-sponsored 401(k) saving plans and individual retirement accounts, personal saving-which does not reflect gains on existing assets-has declined.###Personal savings have declined.