每日钉一下（最近几十年，给我们带来时代红利的三大因素）

Group 1 - The article discusses the importance of personal retirement planning, which is a topic of significant interest to many individuals [1] - It introduces a limited-time free course that outlines six key steps to help individuals effectively plan for retirement [1] - The course also offers additional resources such as course notes and mind maps to enhance learning efficiency [1]