Retirement planning is a $\_\_\_\_\_\_\_\_\_\_\_$ that requires an active tradeoff between $\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_$ and $\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_.($pick the best answer$)$

Group of answer choices

challenge, husband, wife

process, saving, spending

puzzle, saving, taking exotic vacations.

process, low debt, high returns