A Theory of Wealth Accumulation Differences Considering Modern Net Savings Gradualism : The Impact of Unresolved Long Run Differences in Wealth Accumulation on the Annualized Net Savings in the USA

Modern pressures on median income workers to cost minimize and strategically invest, including a low interest-earning bank savings account, suggest the possibility of stagnation in closing the gap of wealth differences among groups. James Curtis Jr annualizes salaries of interns, employees and executives with similar cost considerations, i.e. low-income, median income, and (high) income with similar (cost) considerations. (Preliminary findings show) only gradual differences in net savings. Net income stagnation is researchable by considering a model of wealth differences, with theoretical considerations of favoritism and discrimination