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Title: What Determines Savings? by Laurence J. Kotlikoff ISBN: 0-262-11137-3 Publisher: MIT Press Pub. Date: 01 February, 1989 Format: Hardcover Volumes: 1 List Price(USD): $45.00

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Average Customer Rating: 2 (1 review)

Rating: 2
Summary: Unfortunately Rendered Too Technical
Comment: From my own explorations into the research on saving, it appears as though Mr. Kotlikoff is considered one of the heavyweights on this subject. This book is a collection of a dozen studies that he has authored or co-authored. Mr. Kotlikoff's preface to the book and the introductions to each of the four parts identify the key findings of the material discussed. This was helpful as this book was extremely difficult reading. The studies are heavily laden with intricate formulas that called for far more effort than I could bring myself to expend so as to comprehend them. To get to text that provided a reasonable return for the time and energy it takes to read it required frequent skimming.

Probably because I am most interested in what I perceive to be within my own locus of control, Part I entitled "Savings Motives" (and to a lesser degree Part IV called "Empirical Studies of Saving") held the most interest for me. Parts II and III included papers on savings that I believe would be of more interest to policymakers and those seeking a macro-economic perspective. Part II is labeled "Fiscal Policy and Savings," while Part III is entitled "Social Security, Demographics, and Savings."

With each study covering a different aspect of how savings are affected by selected variables, the value of this volume to any given reader is not dissimilar to that of a cookbook. Some may find that one or more studies are worth the value of obtaining the book, whereas others may not. Some of the findings are clearly of interest to me, but because of the significant difficulty rendered by the very technical presentation, and I was unwilling to give this book more than two stars.