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We all have a finite amount of money to work with so we have to be as efficient as possible to create the highest and most reliable income stream in retirement. The key is to have the skill and technique to combine different products together to create efficiency. What is the underlying premise for all long-term savings? Why are we giving up current enjoyment of our income? The answer is to have an income stream in retirement. It makes sense to learn how retirement income streams work economically and define how to allocate your savings today. The sooner you get on an efficient path, the greater the impact you have on your retirement income streams. Please click on the video below to learn more.