Answer:
Some people might not have saved a lot of money during their time working. Therefore, not having enough funds saved up in order to retire. Things are also more expensive than they used to be, causing old people to spend more money.
Explanation:
It's the third option.
"I love it," she said loudly.
"Yep," I said. "I knew you would."
Whenever someone is speaking, always put quotations around it.
Exercise is the <span>direct object</span>
