"Saving regret" study by Hurd (RAND), Rohwedder (RAND) et al. featured in Forbes
"The Surprising Reason People Say They Haven't Saved More" - Forbes. 12/11/2018.
"The academics expected people would blame procrastination for not having saved more. What they heard instead was that financial shocks — caused by things like losing a job, having a serious illness or getting a divorce — were the chief culprit.
More than half of the survey respondents had experienced at least one financial shock. And about half of them were more likely to have savings regrets in their 60s and 70s, the researchers discovered."