Which of the following is correct regarding saving for retirement? A longer period of time in the workforce would increase the amount one needed to save for a fixed retirement goal The "bottom-up" or detailed budgeting approach tends to be more reliable the further an individual is from retirement A higher than expected investment rate would increase the amount one needed to save for a fixed retirement goal Reduced work-related expenses, reduced payroll taxes, and a paid off mortgage tend to lead to decreasing retirement income needs