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  #1837 (permalink)  
Old 31-12-2013, 04:49 PM
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Why is there a need to plan so much?

The main problem is always income. Most people don't overspend.

So the best retirement plan is: save up and when retired, live with what you have! If you have sufficient passive income, just spend the passive income; if not, nibble on your savings and pray your kids will support you.
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