Which situation usually results in individuals having less incentive to save?

when the rate of return on individuals' savings increases but the cost of borrowing decreases
when the rate of return on individuals' savings and the cost of borrowing both increase
when the rate of return on individuals' investments decrease and the cost of borrowing increases
when the rate of return on individuals' savings and the cost of borrowing both decrease

1 answer

when the rate of return on individuals' savings and the cost of borrowing both decrease