Group 1 - The article emphasizes the need for a dynamic approach to retirement planning, moving away from traditional rules that may not align with individual goals [1] - It highlights the importance of customizing retirement plans to meet specific needs rather than adhering to a one-size-fits-all formula [1] Group 2 - The belief that retirees should enter retirement mortgage-free is questioned, as it may not be as relevant in today's lower interest rate environment [2][3] - Financial advisors suggest that paying off a low-interest mortgage may sacrifice potential investment returns, advocating for a balanced approach that includes both paying down the mortgage and investing [3][4] Group 3 - The traditional 80% rule for retirement income needs is deemed outdated, as many Americans desire a more active lifestyle in retirement [6] - Customization in retirement planning is crucial, with financial advisors recommending a "red money and green money" approach to better align with individual financial situations [6]