@article{retirementspendingproblemunderhabit,
  title = {Retirement spending problem under Habit Formation Model},
  author = {S. Kirusheva and H. Huang and T. S. Salisbury},
  year = {2022},
  eprint = {2210.06255},
  archivePrefix = {arXiv},
  url = {https://arxiv.org/abs/2210.06255v1},
}