Does it pay to save? For many households, particularly young and lower-income families, the answer is often no, according to a new study from the National Center for Policy Analysis (NCPA). The report found that due to government policies, saving can cost many low-income families thousands of dollars in lost benefits, such as food stamps. "We're constantly told that we need to save early and often to prepare for retirement," said NCPA Senior Fellow Laurence Kotlikoff, professor at Boston University and author of the study. "Yet government policies tell low-income families: if you save for the future, you won't get...