MONTHLY NEWS AND INFORMATION FOR CURRENT AND FUTURE RETIREES PRESENTED BY UPAL – FEBRUARY 2020 QUOTE OF THE MONTH “Rest is the sweet sauce of labor.” PLUTARCH WHAT MATTERS MORE IN RETIREMENT: INCOME, OR SAVINGS? Retirement saving is not just about accumulating assets. It is also about laying the groundwork for retirement spending. Any retirement strategy has a core goal: the goal of helping an individual or couple pursue their retirement dreams once their careers have concluded. So, from that perspective, the amount that needs to be saved directly relates to the amount a retiree household may need to spend.