What is shameful is that you reused the numbers "6" and "3". I could easily come up with 7 ways to avoid running out of money in retirement.* And surely one of your "3 ways" could have been cut down to two.

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* 7 ways to avoid running out of money in retirement: 1. die young. 2. don't retire. 3. inherit oodles of money from relatives. 4. Learn the art of dumpster diving so as to live on 43 cents per day. 5. Murder somebody you don't like so you get free accomodations in the state pen. 6. use your spare time in a lucrative hobby, like writing a bestseller; what are you waiting for? 7. have a working spouse. Easy. (I didn't say that they would be 7 good ways.)