Archive for the ‘Cost Of Living In Thailand’ Category

Is Retiring In Thailand As Wonderful As They Say? My Impression After A Few Days Trying It

Post Added Saturday 3rd August 2013

Note to people already living in Thailand.

Some of these observations will seem trivial to you. Later on I’m sure they will to me two. But catching and recording first impressions is important and you only have one chance to do it.

After I have been living in Thaland for a while and get used to the place I dare say there will be less commonplace things to write about. So let me put it all down in the beginning for posterity’s sake.

Proof I’m Actually Retired In Pakchong (Pak Chong), Thailand

Before we get into the story here let me first prove that I am actually in Thailand and at our retirement home inPakchong (Pak Chong). And what better way to do than than with a photo:-

Photo of Alan In Pakchong On His First Day Of Retireent In Thailand

Alan In Pakchong On His First Day Of Retireent In Thailand

Now On To The Retiring In Thailand Story

It’s 0415 on Saturday morning and I’m wide a wake again. So nothing better to do than to write about the few days I have been here since my inaugural retirement flight to Thailand. on Monday 29th August, 2013.

In fact it will do me good to get everything off my chest that I have been doing, thinking about and noting down over the last few days. I wake up every morning with a new Post to write in my head and it just gets worse if i don’t write it.

So here goes…

Day One Of Retiring In Thailand – Tuesday 30 July 2013

Collected at Bangkok’s Suvarnabhumi aiport by Kanyah at about 1545 – with a driver in tow, her nephew called Peng. She doesn’t like driving long distances and always finds someone to drive for her.

1605 on the road to Pakchong (Pak Chong) and arrived in Pakchong (Pak Chong) at around 1630 after a smoking break for Kanyah.

Arriving towards our house in Pakchong (Pak Chong), I bought few cold beers from the local shop. Leo beer not too strong and 50 Baht a bottle. (About £1.05 or $1.60)

A few minutes unwinding at the house where Kanyah introduced my to her ‘gardener’ who had cut the lawn for her the day before, a guy called “On” also from Prong Sai – a tiny wizened character with half his teeth missing which didn’t stop him grinning from ear to ear and sporting a goaty black beard. I noted the temperature – a cool 28 deg C outside and 25 deg C in the house, this being the rainy season.

Kanyah made me give 1,000 Baht each to On and Peng for their help. I thought that was a bit steep but there’s another more important point here. Since (apart from my pension) my income has stopped we can’t afford to live the way we did before. Kanyah never did anything herself around the house – she always employed the locals to do it.

Well we have now got to start to do things ourselves.

Then it was all four of us of to a local ‘restaurant’ for a meal. I took care to make a note of the name of the restaurant and the cost of the food, as I’ll explain next.

The meal including three beers cost 520 Baht. Take out the beers and it’s 340 Baht or 85 baht/person. (About £1.80 or $2.7)

Cost Of Living In Thailand

Of all the questions I get this is the most frequent “Can I live on $1,250 a month in Thailand?”. The amount varies but it’s always around $1,200 a month.

Well in order to answer the question accurately and also for my own information since I’m on a fixed pension, I started to take note of all our expenditures.

I’ll put all the details on a separate page for everyone to pour over – or not as the case may be.

Day 2 Of Retiring In Thailand – Wednesday 31 July 2013

This was the day I wrote the Retirement Flight To Bangkok, Thailand Post starting at 3AM!

Pottered around in the model engineering workshop and unpacked my bags, then we went to the Tesco Lotus supermarket – a visit quickly abandoned. Since Kanyah claimed to have no money I tried the ATMs but kept getting my UK Bank Debit card rejected.

I had some cash from my last visit so tried to buy an Internet SIM card for my AIS dongle. The normal shop “Telewiz” was closed and none of the other mobile phone shops could help. Then at about 1005 the Telewiz shop opened and bought the SIM card. Unlimited access for a month and a maximum of 5 GB data for 850 Bhat.

Next I tried to buy a case of Leo beer. But they told me (via Kanyah and in Thai) that until 1600 they couldn’t serve alcohol. Kind of. It seems that I could buy 16 bottles of Leo beer. (A case of 12 plus 4 loose ones) Very strange I thought.

Update Added on my next trip to Tesco

Next time I went to Tesco I saw this sign in Thai and English:-

Liquor Selling Time

1100-1400, 1700-2400

 No time restriction for purchases more than 10 litres at a time.


An attempt to reduce unsocial  behavior? I guess the idea is that people buying 10 litres are likely to be taking them home and not drinking them in the streets?

By the way, the Leo beer was 249 Baht a case. That’s 41.25 Baht/bottle (£0.88 or $1.33). That’s about half price of cheap beer in UK from an economy supermarket like Lidle or Aldi.

Why Leo Beer?

Well, it doesn’t seem too strong and it doesn’t give me the hangover that I invariably get if I drink Chang or Singha. I hate strong beers. Except for some English beers of course – particularly stouts and porters.

Thai beers are typically  well over 5% plus and Chang is 6 % or over.

I can’t actually see the strength of the beer on a Leo bottle. Perhaps it’s too weak they don’t want to admit it? A quick internet search reports it to be 5% but it certainly doesn’t feel like it. (Note, since then I have found the alcoholic strength of the Leo bear. It us printed on the bottle and it’s 5%)

Anyway, back to the plot, after the aborted Tesco trip we went home to get on the Internet and try to get my card authorised for use in Thailand. Couldn’t do that at Tesco because Kanyah had left her phone at home.

About two hours of messing trying to get in touch with the Bank none of the phone numbers worked neither on Skype nor on Kanyah’s phone – and finally got through on Skype using a number saved from my last trip. OK the card is now cleared for use in Thailand, Laos, Vietnam and Cambodia – all places we intend visiting although Kanyah doesn’t know about that yet!

Back To Tesco For More Upset

Back at Tesco the card worked and I had the cash to do some shopping.

What a miserable disappointment that turned out to be.

I Hate Tesco Lotus in Thailand.

In Thailand Tesco is a culture killer. It is pushing all these convenience and Western style products and packaging on the Thais instead of selling really fresh local produce in loose form.

I wanted to make (and I did later – kind of) a favourite dish of mine a simply tomato curry.

But in Tesco they…

  • only had one kind of fresh tomatoes and these were cherry tomatoes in a tiny plastic carton
  • had no large onions. (Spanish type). They only had red onion.
  • did not have any large “fresh” dried prawns only tiny “hard” dried prawns.
  • had no dried or desiccated coconut or any kind of coconut come to that.

All the above I can buy in the UK.

It’s shameful that such common ingredients aren’t available from Tesco Lotus in Pakchong (Pak Chong).

On the way home I had lunch at the local roadside shack – Thai noodle soup (Quiteo) 25 Baht (£0.85 or $0.80) and a Leo beer at 50 Baht.

At home I spent an hour with Kanyah trying to work out the price of the things we bought from the Tesco receipt. We got most of it I think, but Kanyah really struggled to understand the Tesco receipt.

For what it’s worth I’ll put the receipt and the English translation on the Cost of Living in Thailand Page.

Then it was time to make the tomato curry (with the wrong or missing ingredients).

Quick Time Check and Why This Is Important

It’s now 0645, the sun is shining, it’s light and bright and a comfortable 22 deg C.

I’ve been typing here for 2 1/2 hours and still have a tone more to write about and movies and photos to upload.

I should now be in the model engineering workshop making my model steam engine and that’s what I’ll do in a minute.

The point I’m making is that I could spend all day on this blog writing and recording with photos and movies what life is like retiring in Thailand.

But that wouldn’t get my steam models built. So I’ll give it a rest now and come back later.

Saturday 3rd August

Today we went to the Market in Pakchong (Pak Chong).

Normally, I wouldn’t make any point of this or bother to write about it. After all, I have been to Thai markets so many times and probably so have you.

So what’s different this time?

A lot! All previous visits to Thai markets have been on a ‘need something’ basis. Need it – find it as fast as possible – and leave.

Not this time. This time our visit was recreational. Since I have now ‘retired’ in Thailand I can afford some recreation time and what better than to wander through the market with no time pressure and take movies and photos of things that you would normally just pass by?

I took loads of photos and movies – far too many to post here.

I marveled at the stalls selling every part on an animal’s anatomy, pigs heads, pigs ears, stomachs, intestines and you name it if it’s from an animal it’s for sale here. The only thing I can’t be sure of is which animal it’s from!

There were live animals too. Live eels and fish. Live turtles and frogs.

All presumably destined for the cooking pot.

So many photos also many videos I’ll put them all on a new page separate from this Post. Just as a taster I’ll show this photo:-

Image Showing Pakchong Market Thailand Pigs Heads Stall

Pakchong Market Thailand Pigs Heads Stall

Apart from the market stuff we went to some other shops to buy things for my workshop:-

  • Steel Blanks for the lathe
  • Electrical test meter to fix the gate lights
  • Locks to replacethe broken ones on the workshop windows
  • New watch batteries for my measuring instruments
  • Screwdriver set

Not a glamorous list at all but it just demonstrates that I’m busy and not just sitting back ‘waiting for the next crossword’ as Alex put it in his email on the “Here To Stay” Post.

Sunday 4th August

Another trip to Tesco Lotus at Pakchong (Pak Chong).

There are some useful stalls outside Tesco Lotus (on their site)

I bought a pair of shorts two inches too big for me! Cost 100 Baht for those interested in the cost of living in Thailand. The lady searched for at least twenty minutes looking for my size amongst a great big pile of clothes and then she dived under the stall to open a huge bundle of other clothes ‘just come in’. I felt obliged to buy something.

Heh, they’re fine for the workshop and generally messing around in.

Monday 5th August

I don’t have any notes for that day except that we spent 90 Baht on dinner.

Model Engineering Workshop

Every day I am in the workshop working on my  models and making tools to make the models.

I take videos and photos of everything I do with a view to putting them on the other website Model Engineering Thailand. (Nothing there yet – just an empty website)

So Is Retiring In Thailand Bliss Or Not?

Not Bliss. But if I work at it maybe I can get used to it.

I know I would enjoy retiring in UK – if I could afford to. I’m missing the usual list of things I like about the UK.

So what is here in Thailand that I can’t enjoy in England?

Is it the weather – often cited as a reason to go to Thailand? Not really. When I left the UK it was a hot summer with temperatures up to 28 deg C.

Here it’s about the same but more consistent and more humid.

It’s the rainy season so it’s a bit cooler than normal about 30 deg C in the day time dropping to about 26 deg C at night. I must say this is the best weather I have experienced in Thailand. Despite being the rainy season it doesn’t rain every day. We have just had a week with no rain.

And when it does rain it’s not for long and it’s still warm.

No, it’s definitely not the weather.

So what is it then that’s better here than in the U.K.?

My Top Five Reasons To Enjoy Retiring In Thailand

Here’s a list of bullet points:-

  • Bullet Point No. 1
  • Bullet Point No. 2
  • Bullet Point No. 3
  • Bullet Point No. 4

I couldn’t even think of bullet point No. 5!

I’ll come back and fill those in if I can think of anything.

PS Don’t Misunderstand Me

Please don’t leave this page thinking that I’m a miserable old Geezer!

I am definitely enjoying my retirement in Thailand.

Stuff working (i.e. as in going to work to earn a living) – this is far better.

It’s just that I’d be just as happy retiring in the U.K.


Perhaps the main difference between here and the U.K. is that Kanyah is here. It’s really nice for her to have me beside her and she wouldn’t be happy in the U.K. on a long-term basis.

So lets not think about is Thailand a better place for me to retire to from my perspective.

From Kanyah’s perspective it’s a 1000 times better. I know because she told me.


Retiring To Thailand. Searching for Overwhelming Reasons Why.

Reflections On The Retirement Trip To Pakchong (Pak Chong), Thailand

(Typed in the Thai Royal Silk Upper Deck of a 747-400 on Flight TG916 bound for London. Sunday 15 April, 2012)

  • Am I ready to retire to Thailand?
  • Why should I retire to Thailand?
  • What is it that wants to make me to retire to Thailand? (If, in fact, that’s what I really want to do)

These are the questions that I went to Thailand on this discovery trip to try to answer.

I guess the key question is:-

Why Should I Retire To Thailand? Is there something special about Thailand that would make it, for me, a better place to retire to than the U.K.?

Yes, there is. But there are also special things about the U.K. that would make it a better place for me to retire to.

After spending two weeks in Thailand pondering the subject as I run a test trial of retiring in Thailand, I have come up with some basic answers.

Firstly, did I come across any single outstanding feature that stood out in big bold capital letters and said “I MUST RETIRE IN THAILAND BECAUSE ….“.

The answer to that is. No.

There was nothing spectacular about my trip that made retiring to Thailand a MUST for me.

Model Engineering In Thailand

Well, now I reflect on that there is one. It’s my model engineering workshop, and the size of the garden and land upon which to play with my steam engines. (When I have built them)

All that could be corrected, though, if I had enough money to buy the same sized house and land in the U.K. Which at the moment I don’t.

So that just comes down to one thing. Money.

Gradually, in Thailand, I am finding the shops and outlets that can supply me with the tools and materials I need for my model engineering hobby. But the scope of what is available is far, far, short of what I can buy in the U.K. Of course, I could order what I wanted from the online shops based in the U.K. from Thailand and pay for the shipping. There would be a time delay while the items were shipped and of course the shipping charges. Again, basically, it comes down to money.

Is The Weather In Thailand A Reason To Retire There?

The weather? Hot and humid, with frequent torrential rain. 32 + deg C in the daytime dropping to 26 ~ 20 deg C in the night. Always “close” until a thunderstorm comes along and clears the air. That’s fine – reduces the temperature – but there’s not much you can do in a tropical thunderstorm in Thailand except to sit and wait it out. That can take hours or days. See the movie I took during one of the hurricanes we had that blasted a ‘mini Tsunami’ wave of water through our retirement house in Pakchong (Pak Chong).

Except before a rainstorm, very little wind. Often zero breeze to take away the overpowering heat.

In short, whether it was raining or not, it was mostly uncomfortable at best. The heat made me tired and lethargic. Could be down to loss of salts from the body. My legs in particular always felt tired. That is a phenomenon I recall from my ‘pioneering youth’ when I worked in Lagos, Nigeria. In those days I was tired and lethargic until I discovered the magic of salt tablets.

Weather not conducive to smart thinking whilst designing and making steam engines in my model engineering workshop. Do a bit, take a rest was the order of the day. I was wondering if I would become acclimatised over time and discussed that with Kanyah. It turn’s out that she (along with all the local Thais) suffer in the same way. It’s definitely the weather and not just me.

Weather in the U.K. In the winter not very nice I agree. But if I’m retired why the need to go outside? If that is necessary, I have a car so it’s not so bad.

My model engineering workshop in the U.K. is indoors and centrally heated, so no problem there.

Thailand – A Low-Cost Place To Retire To

The only problem really is that central heating in the U.K. is expensive and getting more so.

In Thailand heating is not needed and we don’t have air conditioning (yet) so fuel bills are absolutely zero.

So the U.K. will be considerably more expensive a place to retire to just because of the heating bills. Again it’s money that matters.

Thai Food. Is The Thai Food A Reason For Retiring In Thailand Or One Of The Reasons Why Not To?

Thai Food. Is it worth basing a decision on which country to retire to on the basis of what kind of food is available? Not in the case of Thailand. It used to be difficult a few years ago to find anything but local Thai food in Pakchong (Pak Chong), Thailand, but with the opening of the Tesco Lotus Supermarket and having our own house, all that has changed. Now I can have virtually any western style food I want if I get fed up of the Thai food. Apart from the occasional egg and bacon breakfast (with mugs of tea) I managed quite comfortably on the Thai food.

In the U.K. There are plenty of Thai food supermarkets and Kanyah has lived in the U.K. before for about 2 years and can eat most of the Thai food she is used too.

One big ‘food’ issue for me is beer. I love my English beer or “Real Ale” as it has become popularly called these days. Lager (and particularly Thai larger) I find hard to get on with. Too strong and lacking taste and absolutely disgusting if not absolutely icy cold. Worth making a retirement issue over? Carries a lot of weight for me.

Steam Traction Engine Rallies

What? What on earth has “traction engine rallies” have to do with retiring in Thailand and what the hell are they anyway?

Quintessentially British (probably English, actually), traction engine rallies are where weird eccentric Englishmen bring their old steam traction engines for a week-end’s play time. Steam fairs, steam organs and all things steam dating back to the glorious days when England was the power house of the Industrial Revolution that changed the world.

So what? Well, my single goal in life is to build myself a steam model traction engine and drive it on the road from our retirement house in Pakchong (Pak Chong), Thailand, to the local “pub”. (Which would be a local roadside shack-type restaurant).

That’s fine as an ambition but what will I do with the thing the rest of the year? In the U.K. I can take it to the traction engine rallies and show it off to the public and other steam enthusiasts. But in Thailand? It will most likely be the only steam traction engine in the country and apart from George in Pattaya who has a model steam engine (locomotive) as far as I know it would be the only steam engine of any kind in the LOS.

Who to show it off to? Who to talk to about these lovely machines? A reason to retire to England rather than Thailand? Possibly. It carries weight. But wait a moment. I haven’t built the thing yet.

I don’t know the average time to build an engine of the size I am planning ( 1/3 full size i.e. 4″ scale) but the time is probably measured in decades rather then years. I plan to make it within three years, but if you read my piece about the model engineering workshop debacle on this trip you’ll probably be thinking in terms of three decades instead of three years.

Is Your Mental Health Likely To Improve If You Retire To Thailand?

What about mental well-being?

I must admit to an uncomfortable feeling when I was first in Thailand even on this trip. This I put down to a feeling of vulnerability and generally being away from familiar surroundings and people. Towards the end of the trip I became more comfortable as I assimilated into the country and started to talk more Thai with the locals.

Long term I don’t think that would be a problem for me. After all I have worked overseas for some 20 years and I know from experience that it takes a full year to adjust to living in a strange country.

But what about Kanyah? I know she is soon bored when living in the U.K. and that has lead to some severe problems we have had in the past.

Long-term living in the U.K. (i.e. as in retiring to the U.K.) would be a complete disaster for her. She simply couldn’t cope with it.

So there’s one good solid reason to retire to Thailand – the metal well-being of my Thai wife, Kanyah.

And as I have mentioned above several times, your money goes further in Thailand. That is another big reason for retiring there.

The other issues, the weather, the food, the beer (there is a way around the Beer/Lager issue but I’ll not mention it here), are all minor issues that probably balance each other out.

Has The Retireometer Swung Any Closer To The Yes Vote?

I’ve borrowed the electioneering concept of the swingometer (Steve from The Plough’s idea) and created the Retireometer to measure how comfortable I think i am about retiring to Thailand.

After this trip I feel the Retireometer has notched up a couple of percentage points towards the Yes vote.

But not for the reasons you’d expect.

Reading the above you may be thinking that there are plusses and minuses and you’d be right. In fact you might be thinking there are probably more minuses than plusses. And I guess you’d be right there, too.

The experience of this trip to test out my readiness to retire to Thailand logically cranks the Retireometer over to the No vote.

If I could go back a few years and plan my retirement a bit more carefully with the knowledge and money I have now which I did not have a few short years ago I would I would possibly be planning to retire to England.

England, the Home of Real Ale, Model Engineering and Steam Rallies.

But time has passed by. And I have invested more and more money into our retirement house in Pakchong (Pak Chong), Thailand. I am emotionally committed to delivering a Thailand-based retirement life to my dear wife, Kanyah.

My Get out Of Jail Card

But there’s a get-out clause in that last sentence if you read it carefully.

Can’t spot it? I’ll quote:-

a Thailand-based retirement life

To get all the benefits of retiring in Thailand (mainly low-cost) and to get all the benefits of retiring in England (Real Ales, Model Engineering and Steam rallies) all I need is….

More Money!

Now there’s an idea to think about.

Lets see how that works out over the next couple of years.

Can I Retire In Thailand With $630,000 Cash And No Other Income?

This question arises again and again just as the question “How much does it cost to build a house in Thailand”

The answer is always as long as a piece of string. But let’s try to do better than that and open it up for comments.

The question was:-

 Hello Alan,

My name is P, I am formerly from Scotland but now live in Australia. I am 59 Years old and I am seriously considering Retiring to Thailand. I have Approx $630,000 and wondered if this was enough to live on ? I have nothing else, only this amount of money. I would be grateful if you could help me with this Question.

Thanks, P

This Is My Short Answer To The Question Of How Much Money You Need To Retire To Thailand

Hi P,
Thanks for the email and the question. Sorry about the delay in responding – been on a business course.
You don’t say whether that $630,000 is US or Austrailian dollars. Actually doesn’t really matter, US $1 = 30 Baht , AUS $1= 33 Baht. Not a great deal of difference in the scheme of things.
My first answer would be a resounding YES, if you’ve got that money why aren’t you in Thailand already?
This is based on if I had $630,000, but then my circumstances and yours may well be very different. For example I own land and a house and a new car in Thailand. If you don’t have a house then you need to figure out where you are going to live and the cost.
A lot also depends upon any extravagant habits you may have.
Last time I was in Thailand (last Christmas) I was spending about 1,000 Baht a day on living expenses, made up of a meal out for myself and Kanyah, my wife, costing 500 Baht, plus a bottle of wine around 400 Baht plus 100 Baht on other meals and etc.
So we were living on 1,000 Baht/day. (Excluding my very expensive model engineering workshop set-up costs)
Let’s say you are a bit more adventurous. Say you need 2,000 Baht/Day.
2,000 Baht/day is 60,000 Baht/month. The Thai Government have set the requirement for a Thai retirement visa at a monthly income of not less than 65,000 Baht. So those two figures tie up.
Of course, we live in Pakchong (Pak Chong), and not in an expensive area. If you live in a condominium in one of the seaside holiday resorts (e.g. Phucket) you could be spending a lot more.
Your $630,000 would bring you 189,000,000 Baht or 9,450 days at 2,000 Baht/day. That’s 26 years, you are 59 years old now so you could last until you reach 85 years old.
But it’s not that simple. There are other factors to take account of.
1) Inflation
This is running at around 5% in Thailand. So your income would fall by 5% a year. (Unless you are a savvy investor and can invest your money wisely to offset at least some of the inflation effect.)
I haven’t run a spreadsheet to model how this would erode your income. My suspicion is that it would seriously reduce your income after around 10 years. (But see below)
2) Your Needs Reduce With Age
As you get older, your needs reduce. If you drink fine wine (as I do) for example, you’ll be drinking less or not at all. You’ll have fewer meals out and travel less.
Whether you can survive on a 5% reduction on your income year by year needs some thought and a calculator.
3) Accommodation Costs
I have mentioned this before. If you are paying rent, then obviously this is an extra cost. If you want to buy your house then it reduces your capital.
4) Emergencies
For me this is the killer. What would happen if in old age you needed serious medical treatment?
Would you have it in Thailand or pay for a flight and accommodation in Australia to get your treatment?
How much of your capital would you put aside for this?
5) Other Expenses
The 2,000 Baht/day is plenty for normal everyday living. But what about other costs that may crop up, in addition to those mentioned above?
  • Travel costs. Maybe you want to go home every year. Or maybe you want to travel around Thailand or overseas. Hotels, even in Thailand, will soon make a big dent in your 2,000 Baht/day.
  • You haven’t mentioned anything about a Thai companion. Thai wife? Ouch!
  • Car repairs. I bought a brand new Toyota Hilux Vigo pickup in Bangkok a year ago and it’s a fantastic investment. It will probably last 26 years. But it will need repairs and maintenance.
6) Calamities
Call me a pessimist, a realist, or just cautious, I fear some major disasters on the way in the next 26 years. And not without good reason. Just look at the mess the world is in:-
  • Global recession cause by the financial collapse.
  • Global warming.
  • Oil running out and getting more expensive.
  • World war three looming. (Iran)
On a less gloomy level look at what could happen in Thailand:-
  • Your house burns down.
  • Your wife kicks you out.
  • The Thai government won’t give you a visa.
  • Your money is embezzled.
Sorry to be such a downer, but my advice is:-
“Have a Plan B”

I’m not burning my boats to retire to Thailand. I’m keeping my house in the U.K. I am developing not one but several other income streams in addition to my pension.
Of course some of these calamities could apply whether you retire in Thailand or retire in Australia.
Which brings me to the point and perhaps you asked the wrong question.

Your question was “Is $630,000 enough to retire on in Thailand”

Now it’s my time to ask a question. If you’re not going to retire to Thailand, where are you going to retire to?

Perhaps your question should have been “Can I get a better standard of life retiring on a lump sum of $630,000 in Thailand that I can in Australia with the same amount of money?”

P, I hope this helps.

There are so many things to consider, so many different situations, it’s really impossible to answer your question.

But my advice is “Have a Plan B”.

Dear Reader Please Add Your Comments Below

Many of you already live in Thailand. Some have lived in Thailand for many years.

Please give us the benefit of your experience of what it costs to live in Thailand, and what the risks are with your retirement budget.

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