You don't have to be rich to save money: On the relationship between objective versus subjective financial situation and having savings.

PLoS One · 2019 · PMC6443156 · PMID 30934007

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only marginally significantno p-value reported

After introducing subjective financial situation variables, the effect of objective financial situation on propensity to have savings became only marginally significant.

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Quoted from the open-access full text in Europe PMC under the licence the publisher applied. The sentence is reproduced exactly as published; the emphasis is ours.