Retirement strategy is a bit like setting sail on a journey. You can plot your course, prepare your route, and set off with a clear destination in mind, but things can always change, no matter how well-prepared you are. Maybe you envisioned a quiet life in the countryside but now find yourself drawn to the vibrancy of city living. Maybe health concerns have prompted a reassessment of how you want to spend your golden years. Perhaps you decide that you
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