The answer must be that people do not decide whether to increase their savings on the basis of careful calculations about their future needs.
OdpovědÃ­ je nesporně to, Å¾e se lidÃ© nerozhodujÃ­ o zvyÅ¡ovÃ¡nÃ­ Ãºspor na zÃ¡kladě pečlivÃ©ho uvÃ¡Å¾enÃ­ svÃ½ch budoucÃ­ch potřeb.