All of the following is good advice on retirement planning and savings except

start early.

take advantage of employer plans.

take advantage of tax savings.

if you are eligible for social security, you will not need to worry about additional savings.

He interest rate effect is the change in real gdp caused by the federal reserve adjusting target interest rates. is the change in consumer and investment spending due to changes in interest rates resulting from changes in the aggregate price level. is the change in exports and imports, resulting from changes in the interest rate caused by changes in the aggregate price level. is the change in investment spending and government purchases caused by changes in money demand. is the change in interest rates, caused by changes to government purchases.