Group 1 - The article discusses common retirement myths and their potential impact on retirees' financial well-being [1][3] - It emphasizes the importance of understanding that retirement lifestyles vary, which affects spending patterns and financial planning [4][5] - The myth that living costs will decrease in retirement is highlighted, with a warning that this assumption can lead to financial pitfalls for those who wish to enjoy a more active retirement [6] Group 2 - The article suggests that retirees should be cautious about their spending habits, especially during the early years of retirement when expenses may actually increase due to travel and leisure activities [5][6] - It points out that Millennials face uncertainties regarding Social Security and should not overly depend on future benefits [6] - The risks associated with ultra-safe investment portfolios that lack stock exposure are discussed, as they may not keep pace with inflation and could diminish legacy wealth [6]