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We are old too fast, but smart too late ---- the money they save, and then wait for retirement to enjoy results after retirement because of age, poor health, action is not convenient, go anywhere. Pension money in down so the result children grow up, to study abroad, to start business, to spend money to marry his wife, their pensions are bend away. - when they have sufficient capacity to treat yourself, do it immediately, the elderly sometimes can not do the middle-aged or young people ca...