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A generation of men has given up on college.

Good morning, Apexians, and welcome to Tuesday. This morning, if all goes well, I’ll be baking bread. I started my “no knead” dough yesterday afternoon (which is really just a few minutes ago in Real Time, but that’s kind of confusing, no?), which means it ought to be ready for a quick fold and second rise at about the time this edition goes live.

But you know what? I’ve been working on my “no knead” bread recipe for a couple of months now. (I use both Bittman’s recipe and the Cook’s Illustrated modified version.) And despite having baked dozens of loaves, I always struggle with the brief “not kneading” period of kneading before the final two-hour proof. It just never seems to work like it’s supposed to. Never. Not once. I’m not sure what I’m doing wrong…

But you’re not here to talk about baking, are you? You’re here for excellent articles about money (and other related topics). Let’s get to them!

Will your spending decline in retirement? [Monevator] — “As it happens, there’s a large stack of research that suggests people really do see their spending decline in retirement. At least on average. And if this turns out to be you, then the amount you need to retire should be less daunting than previously advertised.”

The high cost of an easy job. [Of Dollars and Data] — “The easy choices come with hard consequences…later. They show up where you might not expect them. With regret. With nostalgia. With sadness. The easy way out always has hidden costs. The question is: are you willing to pay them?”

A generation of American men have given up on college. [The Wall Street Journal] — “Men dominate top positions in industry, finance, politics and entertainment. They also hold a majority of tenured faculty positions and run most U.S. college campuses. Yet female college students are running laps around their male counterparts.” [This article is fascinating, as is the trend it explores.]

And that’s all I have for this Tuesday. Time for me to go put my first loaf of bread in the oven. I’ll be back tomorrow, though, to share more news about personal finance…