[gowld]

This research, like so many others,ignored the possibly that people want to retire before they die, so need to amass savings.

[AstralStorm]

Exactly, incomplete results being similar to Odds Ratios in medicine not based on endpoint mortality, morbidity and ratings.

Not to mention subject to massive binning effect. You might have binned single people with married couples with kids, both of which have different requirements.