Whilst it has long been assumed that a greater grasp of the English language is one of the factors that will give you a better chance of economic success in our globalised world, a radical new theory has put doubt on the benefits on its use. Findings by the Yale University behavioural economist, Keith Chen, have suggested that speakers of certain languages such as English are less likely to save for their future retirement than those that speak other languages such as Mandarin or German, depending on whether or not the language requires the use of the future tense.