Which of the following is most appropriate when planning for retirement?

		A. You should assume a relatively high interest rate when forecasting your rate of return in retirement.
		B. Delaying savings for retirement for up to 10 years will have very little effect on your savings outcome because it is so far away.
		C. You should be optimistic when approximating retirement income sources like Social Security and Pensions
		D. You do not need to budget money for savings and investing as part of your income during retirement