@article{optimalretirementtimeandconsumptionwith,
  title = {Optimal Retirement Time and Consumption with the Variation in Habitual Persistence},
  author = {Lin He and Zongxia Liang and Yilun Song and Qi Ye},
  year = {2021},
  eprint = {2103.16800},
  archivePrefix = {arXiv},
  url = {https://arxiv.org/abs/2103.16800v1},
}