Abstract
<p class="MsoNormal" style="text-justify: inter-ideograph; text-align: justify; margin: 0in 36.1pt 0pt 0.5in; mso-pagination: none;"><span style="color: black; font-size: 10pt;"><span style="font-family: Times New Roman;">In this study, a number of internal and external variables that could affect personal saving are examined using regression to show how they are related to personal saving. The empirical study is performed using the time series data of the U.S. between the years 1950 and 2007. The findings reveal that personal saving is highly dependent on personal income, tax, credit outstanding and status of employment, while dependency ratio, current real estate loan, real interest rate and status of economic performance are indeterminate.<em><span style="mso-bidi-font-style: normal;"></span></em></span></span></p>
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