. "come, including Social Security benefits, pensions, wages from contract or part-time work, and annuity paymentsBasic expenses, such as housing, food, clothing, transportation, insurance, taxes, and health-care costsFlexible expenses, including travel and entertainment, recreation and hobbies, and gifts; plus a safety cushion for yourself and heirsAssets, such as your 401(k) savings, other pensions" . . . .