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==== Future tense ==== A 2013 study found that those who speak "futureless" languages with no grammatical marking of the future tense save more, retire with more wealth, smoke less, practice safer sex, and are less obese than those who do not.<ref>{{cite journal |last1=Chen |first1=M. Keith |title=The Effect of Language on Economic Behavior: Evidence from Savings Rates, Health Behaviors, and Retirement Assets |journal=American Economic Review |date=1 April 2013 |volume=103 |issue=2 |pages=690β731 |doi=10.1257/aer.103.2.690 |pmid=29524925 |url=https://www.anderson.ucla.edu/faculty/keith.chen/papers/LanguageWorkingPaper.pdf}}</ref> This effect has come to be termed the linguistic-savings hypothesis and has been replicated in several cross-cultural and cross-country studies. However, a study of Chinese, which can be spoken both with and without the grammatical future marking "will", found that subjects do not behave more impatiently when "will" is used repetitively. This laboratory-based finding of elective variation within a single language does not refute the linguistic savings hypothesis but some have suggested that it shows the effect may be due to culture or other non-linguistic factors.<ref>{{cite journal |last1=Chen |first1=Josie I. |last2=He |first2=Tai-Sen |last3=Riyanto |first3=Yohanes E. |title=The effect of language on economic behavior: Examining the causal link between future tense and time preference in the lab |journal=European Economic Review |date=November 2019 |volume=120 |pages=103307 |doi=10.1016/j.euroecorev.2019.103307|hdl=10356/142990 |s2cid=203248774 |hdl-access=free }}</ref>
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