1. There are many risks on the way to achieving financial independence. One such factor that affects retirement planning is a shortened work life expectancy due to untimely death, disability, health and/or unemployment. Which of the following is NOT a recommended way to mitigate this risk?

a. Obtaining insurance

b. Education

c. Training

d. Adequate capital accumulation

2. True or False: Two of the more important factors affecting retirement planning are the savings amount and the growth of GDP.

a. True

b. False