[lemma=you] [□]
[lemma=you] [□ | □]
[lemma=you] [!□]
" Everything you read says you spend 20 % less in retirement , so I [ factored ] that in my monthly budget . You ’ ll find this true of all learning that ’ s important to you : Every time you review the material in depth , you ’ ll see things you never saw before and discover concepts you weren ’ t ready to use before . Also , negotiate the time you spend together - - and apart . Make sure you review it before signing it . In retirement , if you allow yourself , you have the luxury to be diverted , to digress , to slow down , to change directions . While preserving capital is foremost on retirees minds in this hectic market environment , it would be severely detrimental to your long-term financial health if you allow your savings to spend the next couple of decades hibernating in a taxable savings account earning interest at or below the rate of inflation . Whenever you review effective knowledge , you reinforce your previous insights with richer insights . In reviewing , insist on solid scholarship just as you insist on appropriate analysis of results .