1. A. Ando , The Savings of Japanese Households: A Micro Study Based on Data from the National Survey of Family Income and Expenditure, 1974 and 1979, mimeo., Department of Economics, University of Pennsylvania, Philadelphia, Pennsylvania, 1985 .
2. A. Ando, M. Yamashita, and A. Murayama , Raifu Saikuru Kasetsu ni motozuku Shohi/Chochiku no Kodo Bunseki (An Analysis of Consumption and Saving Behavior based on the Life Cycle Model). Keizai Bunseki. Keizai Kikaku-cho. Keizai Kenkyu-sho (Economic Research Institute, Economic Planning Agency), (ed.), No. 101 (January), pp.25 -139 (in Japanese), 1986 .
3. A closer look at saving rates in the United States and Japan