60 可参考：Adam Smith, The Wealth of Nations, book II, chapter 1 (1776)。Zvi Bodie, Robert C. Merton and William F. Samuelson, ‘Labor Supply Flexibility and Portfolio Choice in a Life Cycle Model’, Journal of Economic Dynamics and Control (1992). Roger G. Ibbotson , Kevin X. Zhu, Peng Chen an Moshe A. Milevsky, Lifetime Financial Advice: Human Capital, Asset Allocation and Insurance, CFA Institute Research Foundation (2007).
七○％的数据来自于：Tiffany Julian, Work-Life Earings by Field of Degree and Occupation for People With a Bachelor’s Degree: 2011, American Community Survey Briefs, US Census Bureau (October 2012)。研究结果显示，高中学历平均预期终身所得为一百四十万美元，拥有学士学位的为二百四十万美元，拥有专业学位的为四百二十万美元，拥有博士学位的为三百五十万美元。
61 四％的提领率是所有理财专员建议的标准，部分要归功于威廉．班根（William P. Bengen）发表的划时代文章：‘Determining Withdrawal Rates Using Historical Data,’ Journal of Financial Planning (October 1994)。他的假设是，退休的人在第一年退休时，会提领四％的积蓄。之后几年，他们必须依据通货膨胀设定提领比例，这笔钱可能要缴税，领取的股息和利息也应计入当年可提领的整体收入金额。
62 Chenkai Wu, Michelle C. Odden, Gwenith G. Fisher, and Robert S. Stawski, ‘Association of Retirement Age with Mortality: A Population-Based Longitudinal Study Among Older Adults in the USA’, Journal of Epidemiology and Community Health (21 March 2016).
63 美国的数据来自于：United States Life Tables 2014, National Vital Statistics Report, vol. 66, no. 4 (14 August 2017)。英国的数据来自于国家统计局（Office for National Statistics），相关信息可从网站上下载。
64 关于「时间分散风险」的概念有大量的文献，若要了解关于这问题争论的摘要，可参考：Donald G. Bennyhoff, Time Diversification and Horizon-Based Asset Allocation, Vanguard Investment Counseling & Research (2008).
