The correct answer is A. Post retirement.
During retirement, people have more time to enjoy their lives and spend their savings on things they enjoy. They may also have more health problems, which can be expensive to treat. Having savings can help people cover these costs and live comfortably in retirement.
Earners are typically in the prime of their working years and are able to save more money. However, they may also have more expenses, such as a mortgage or childcare. Learners are typically in school or training and may not have much income. They may also have student loans to repay. Just married couples may be starting a family and may have more expenses than they did when they were single.
In conclusion, post retirement is the stage of life when an individual appreciates past savings the most.