One of the topics we discuss in this chapter is the "Break-Even Income" which is the lowest income point after which the Marginal Propensity to save becomes a positive number, meaning an individual starts to set aside savings.One major implication of this concept is people with low incomes (meaning those earning below this "break-even income point" will never be able to set aside any money for their savings.)

Please reflect on the validity of this concept given your personal saving habits or those people around you.Does this concept make sense to you? Is saving money only a privilege that only those above a certain income threshold can enjoy?