[colanderman]

Deflation is good for savers if your savings is in terms of currency. Most people with "retirement" savings have them in a 401k, which isn't the greatest due to management fees, but at least it's roughly shielded from inflation.

[tensor_rank_0]

savings is for more than just retirement. there are transaction costs associated with breaking into retirement vehicles in order to meet emergency obligations.

more importantly, inflation discourages savings, because you have to invest your savings just to stay ahead of inflation. investment and savings are different categories, its financially unwise to conflate them.