The article explores how wealth distribution changes over time in a model of economic growth. By setting a minimum level of consumption for households, the model shows a link between how willing people are to save and their wealth. The study finds that wealth inequality in the model follows a U-shaped pattern, similar to the US economy. However, the level of inequality can change depending on whether growth comes from productivity or saving money. After a slowdown in productivity in the 1970s, the model predicts an increase in wealth inequality.