Question: What does the top - down approach in retirement planning involve? Starting with individual expenses and working upwards Starting with overall income and working downwards

What does the "top-down approach" in retirement planning involve?
Starting with individual expenses and working upwards
Starting with overall income and working downwards
Starting with overall expenses and working downwards
Starting with individual income and working upwards
 What does the "top-down approach" in retirement planning involve? Starting with

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