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W HY DO PEOPLE save? J. Maynard Keynes (1936) lists eight motives which we reproduce here with one addi-tion: 1

1." To build up a reserve against unforeseen contingencies"(the pre-cautionary motive); 2." To provide for an anticipated future relationship between the income and the needs of the individual..."(the life-cycle motive); 3." To enjoy interest and appreciation..."(the intertemporal substi-tution motive);