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Hyun-Ji is planning for her retirement in 15 years. She currently lives comfortably on $45,000 per year. Based on her family history she expects to

Hyun-Ji is planning for her retirement in 15 years. She currently lives comfortably on $45,000 per year. Based on her family history she expects to live only ten years after she retires. Thus, she computes her retirement need as $45,000 per year for ten years. What behavior best illustrates the  characteristics?

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