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Message: <blockquote data-quote="Jd Smith1" data-source="post: 8042331" data-attributes="member: 6998052">As a retiree, I would add another feature to your three pillars:Housing: Ideally the retiree will have paid off their mortgage before they retire; if they are still renting at that point they could face serious future problems, as the gentrification in several major cities show. And there is always the threat of rent increases.And insurance issues for homeowners. Hurricanes Katrina and Ike (and others) have established that certain natural disasters are only minimally covered, even with extra policies. The loss of a significant portion of the value of one's home can be crippling to retirees.</blockquote>