It seems to be so easy for financial spokesmen to say that people don't or won't save their money, when in fact most are not making enough to live on. Only those whose research makes it clear that wages have been frozen for a generation, while the cost of living has freely risen, state that the working poor—who used to be able to make enough to save a little—are not even making a subsistence income. That's what neoliberalism and trade deals were designed to do and they have succeeded in creating the greatest divide between millions and a few thousand obscenely rich since the Dark Ages. Women make women's money as the whole backbone of business, and have forever, can tell you all about it.