Have a college degree is used as an educational measure because this is the level of educational attainment found to be significant in the lump sum literature.

Does retirement education teach people to save pension distributions? ... by Muller, Leslie A. / Social Security Bulletin

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In the family way
in the first place
in the flesh
In the gross
in the lead
in the least
in the long run
In the lump
in the lurch
in the main
in the meantime
in the midst
In the name of
in the nick of time
in the offing

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