Consider the premise. Does the hypothesis directly oppose it? Premise: 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. Hypothesis: People aren't dedicated enough to grow their own savings.
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.###People aren't dedicated enough to grow their own savings.