Therefore, their saving choices affect not only their own retirement income but also potentially affect the standard of living for future workers.
Because of the way the program is funded, choices employees now make concerning their retirement savings will likely have an affect on how well future generations of workers live.
mnli hypothesis: Because of the way the program is funded, choices employees now make concerning their retirement savings will likely have an affect on how well future generations of workers live. premise: Therefore, their saving choices affect not only their own retirement income but also potentially affect the standard of living for future workers.