The author uses ethos (author credibility and trust in their credentials) by using the word "our" so often. This places the author in collaboration with the reader, showing that he believes that they are all one and working together to achieve a common purpose.
Short term retirement usually involves being retired for a period of 3 to 5 years. Other options have little to do with retirement at all.
The answer is A: make sure the ladder clicks into place
