Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to save for retirement without a 401 (k ) [title] Determine when you want to retire. [step] How much money you will need to save depends on when you want to retire. Before you begin exploring retirement options, you need to understand how long you intend to be retired.

Ending1: For example, if you retire at the age of 65, you may need enough money saved to take care of you for another twenty years. Knowing when you want to retire will help you get a better idea of how much you will need to save. Ending2: Retirement might not save you any money but saving at some point makes it easier to care for a future retirement. [substeps] Once you are in retirement, your income should be significantly reduced. Ending3: [substeps] Knowing how often you want to retire differs from person to person. However, in most cases, it can be considered a few years. Ending4: [substeps] 401 (k) plans are an option. However, retirement plans are always shorter, making them typically only available for short periods.

Answer format: ending1/ending2/ending3/ending4