PS: 'the so call "rule of thumb" — plan on spending around 70% of your annual income after you retire, aka the 70% rule.' does not apply to most Chinese either.
my observation is: Most Chinese spent way less than 50% of their income while they are working,.
https://money.com/stashing-too-much-retirement-savings/?amp=true
研究表明退休之后花费减少。一个主要的原因就是欲望降低，比如旅游，年纪大之后花费少，不是因为没钱，而是旅游带来的快感少了。
总结：尽管退休之后健康支出增加，但是由于全面消费欲望减少，最大可能是总支出减少。
觉得华人大多数都是攒得太多了。光说医疗费用制造焦虑，我这几十年没有见过一个华人在自己身上花上几十万刀医疗费的。大家谁见过，可以提一下。
唯一的问题是long term care，这里讨论无数遍了，一年能花掉十万。
PS: 'the so call "rule of thumb" — plan on spending around 70% of your annual income after you retire, aka the 70% rule.' does not apply to most Chinese either.
my observation is: Most Chinese spent way less than 50% of their income while they are working,.
样本。