George has a very low debt to asset ratio because he has paid off his mortgage on his house and has very little other debt. Recently, he quit his high-stress job and has taken a much more enjoyable lower-paying position. Consequently, he also now has a low liquidity ratio. He used up all of his emergency fund while looking for the new job and he is having difficulty continuing to save for his retirement. Comment on his situation and make suggestions to help him with his retirement budgeting.