Pablo is 35 years old and plans to retire when he is eligible for his full social security benefits at age 67. Pablo figures he will live until he is 90. Which of the following situations would allow him to save less for his retirement?

If he decides to work part-time during retirement.

If he decides to retire at age 62.

If his retirement period lasts for 30 years.

If he decides to retire 27 years from now.