А по утрам высасывайте кусочек сахара натощак

[glocka]

YAHOO Finance: Focus On Retirement: brought to you by Fidelity
Retirees: A Safer Way to Get Through the Market Rout
What can retirees do to make their savings last during the downturn? Rather than flee from stocks, try this strategy.
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Give yourself a pay cut by withdrawing a little less today and continuing to take out less over the next several years.