I don't dividend it out to the shareholders. I just keep that.

And in the mean time, personal savings absolutely plummeted.

What we're seeing is an uptake in the savings rate.

Savings bonds.

It's not just numbers on a piece of paper.

They're savings bonds.

A 1 0 U.S. Savings Bond.

This is something I call the 50 20 paradox.

He's given a control that allows him to adjust his savings rate.

So this is a timely problem.

What's this building?

Save your dollars bills, yo!

And what I'm going to talk about today is Save More Tomorrow.

It's not even sustainable economically.

So we're starting to pay for things with money that we have.

Holding down the right flank of the OECD, all the way on the other side, is Greece.

Because I kind of view that as a reference point.

And slowly, slowly we're bringing it up to a moderate savings rate.

You know, you have this guy coming up to you.

There was nothing to buy, unless you wanted to buy some rivets. Right?

Well, think about smoking, for example.

You'd rent a smaller home.

Keep something for a rainy day.

Shows what I know.

Until we get to this point right here, where everything starts blowing up.

Let me just put it into my mattress.

I still have some money saved! I'm prepared for hard times.

In an emergency you can fall back on your savings.

Do you know what this was right here?

This contains the protocols that will serve as the basis of our agreement.

I can explain. I can explain. Explain this, jackhole.

In an emergency you can fall back on your savings.

Where maybe I saved 5, but someone else borrowed 5.

Now even after all of this granular level of control, do futureless language speakers seem to save more?

What is the average difference here?

Put by money for the future.

It will pay you to save a part of your salary each month.

Pulling money out of the house as fast as they could, putting money on credit cards as fast as they could.

Now all of a sudden, the credit crisis hit and all this credit disappears.

But the remainder is savings.

It should be noted, of course, that the United States and the U.K. are the next in line.

And because I care, I'm putting it all away for you. Just like storing nuts for the winter.

Linguists and cognitive scientists have been exploring this question for many years now.

Jim has a lot of our nest egg invested in this real estate venture.

Now I'm going to describe to you a study I did with Gur Huberman, Emir Kamenica, Wei Jang where we looked at the retirement savings decisions of nearly a million Americans from about 650 plans all in the U.S.