如果他们假设，最差的并经过预算的提现率达4%，那么他们也将不必过一种俭朴的生活。
Had they assumed the worst and budgeted for a 4% withdrawal rate, they would have needlessly adopted a frugal lifestyle.
他们习惯于俭朴的生活。
他和妻子开始学以致用：他们主张生活俭朴。
He and his wife started applying the lessons: They made a point to live below their means.
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