Saving for retirement is one of the hardest tasks Humans face. Just doing the computations is hard enough, even with some good software, but then implementing the plan involves a lot of self-discipline. Also, it is a task that is relatively new for our species, so we are still figuring out how best to do it. It is new because for most of our time on earth, we Humans did not have to worry much about saving for retirement; most people died before the problem arose. Those who were lucky enough to make it to old age were generally cared for by their extended families. Only recently did the
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