Answer :
Final answer:
IRAs and Money Market Mutual Funds offer tax advantages and higher returns, stimulating savings.
Explanation:
IRAs (Individual Retirement Accounts) are primarily intended to enhance a person's tax advantage. By investing in IRAs, individuals can grow their savings tax-free, leading to higher interest rates compared to taxed returns, thereby stimulating more saving. Investing in Money Market Mutual Funds is an alternative to savings accounts, offering higher annual returns, but without the government guarantee of traditional savings accounts.
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