Here's a question. You don't have a whole lot of money and I want you to save more. So I create a plan where for every dollar you save, I will take away $2.60 worth of benefits from you. How likely are you to want to save money?

That is exactly what a new study reveals — that the government has made extensive incentives for the poor not to save money. Yes, that's correct. If you are poor, the way the system is currently set up you are better off not trying to save money for your retirement and other needs.