please help me answer these quejons for my study guide. thank you

6. The following are roadblocks to retirement savings a. Spending more than you have b. Divorce c. Lack of financial literacy d. All of the above 7. The replacement ratio assumes that certain expenses will decrease during retirement. Which of the following expenses potentially decrease during retirement? 1. FICA taxes (Social Security and Medicare) 2. Taxes as a result of increased standard deductions once over 65 3. Absence of dependent children 4. Vacation travel during retirement assuming physically fit to travel a. I only b. 1 and 2 c. 1, 2, and 3 d. All of the above 8. All of the following income streams are NOT usually inflation protected? 1. Social Security Benefits 2. Pension Income estimates pre-retirement 3. Pension Income estimates post-retirement 4. Interest from a bond investment a. 1 only b. 1 and 2 c. 2 and 3 d. 3 and 4