我的意思是十年的生活费用 not athat have beeen saving for 10 years. If you think you already have money enough
to use for 10 years after 65, I suggest you reduce saving for retirement if not stop at all. Do things
that improve odds of living longer rather than
improve odds of living wealthier. It is much better
to use up all your money at 70 and spend next 10 years strgullging financially than to die at 70 year old
with money that would last you to 100 years old