A. Life uncertainty is happening among newly retired people in America.
B. There are some reasons why retirees use their savings.
C. The retirees’ financial condition affects how much they are willing to spend their savings.
D. Most retirees in America do not use their savings a lot in retirement.
E. How the newly retired people spend their savings is quite similar.

Jawaban: D

Pembahasan:
- A is wrong because this is only specific information.
- B is wrong because there is no information about this in the text.
- C is wrong because the information is contrary to the statement in the text.
- D is correct because this is what the author wants to say to the readers.
- E is wrong because there is no information about this in the text.

5. Which of the following best restates the second sentence in Paragraph 1 in Text 2?

A. Covering all costs is the first thing to plan in relation to budget expenses.
B. Preparing a budget and drafting a plan of your costs is the first thing you should carry out.
C. Planning and calculating the budget expenses is the first thing to be carried out.
D. Drafting your plan that includes your costs should be done first to prepare a good budget.
E. Budgeting and planning should be prepared first to be able to pay your costs.

Jawaban: B

Pembahasan: A, C, D and E have a different meaning from the sentence in the text.

6. The purpose of Text 2 is to ….

A. provide advice for newly retired people on how to manage their money in retirement.
B. explain the process of managing your expenses during retirement
C. explain how to get a professional financial advisor to manage your savings after you retire
D. discuss what newly retired people should do to monitor their expenses
E. argue which investment is the best for retirement income.

Jawaban: A

Pembahasan: B, C, D and E are not explained in the text.

7. Which of the following statements shows the author’s positive attitude toward an investment analyst?

A. For some it’s almost physically painful,” said David John, a senior strategic policy advisor.
B. No doubt this is partly because they are among the last generation of workers to benefit from corporate pensions
C. They’re trying to figure out who they are now that their primary career is over and figuring out what they can and can’t do financially
D. It’s hard to manage your money well in retirement unless you’re realistic about what you have.
E. A financial advisor can help you strategize how to manage and use your money in the years ahead.

Jawaban: E