Retirement is the time when becomes more critical, as we may not be earning wages. it is the lifeline of survival.

cash flow

Explanation:

According to my research on living necessities, I can say that based on the information provided within the question what becomes most critical is the cash flow. When a person retires they are no longer working, therefore there is no cash coming in unless the have a retirement fund are are getting paid a retirement income by the government. Cash Flow is a necessity in order to survive.

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answer; evidence; reverseremand;

answer; critical thinking;