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Respond with option 1 only if you have NO earned income, and you pay ALL of your living expenses with passive income, or by drawing down your savings, and you reasonably expect to continue doing that for the remainder of your life.
Respond with option 2 only if you pay more than half your living expenses with passive income or savings, and you reasonably expect to continue doing that for the remainder of your life. (Or, you are mostly retired and plan to transition to being fully retired someday)
Otherwise, select option 3 or 4.
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