We’ll note that Americans were able to save more money from their paychecks during the 60s and 70s than in recent decades. We should look at these and other economic indicators within the context of income inequality. Also, averages mislead. The Rest of Us spend all that we make, and perhaps then some. The rich, on the other hand, have money left over to “invest” or hoard. For the most part, those surplus dollars are withheld from productive activities that would benefit society.