>> For every story that starts "saved all his life, died a year after retirement" there
>> is an alternative scenario "retired, cashed in pension, enjoyed himself, didn't expect to live to
>> 93, died bankrupt".
>>
>> None of us can be sure what will happen - we just have to accept
>> that our actions have consequences.
>>
Exactly - you need something that works either way- money doesn't matter unless you run out.
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