Consider two individuals, Anya and Ben, who are both planning for retirement. Anya lives in a country with a robust financial system. She has taken out a loan to purchase a home and contributes regularly to a retirement account that invests in a variety of financial assets. Ben lives in a country with limited formal financial institutions. His retirement plan involves living with his adult children and investing his savings in purchasing livestock, which he can sell as needed. Analyze how the differences in their access to a formal financial sector and debt instruments shape their respective retirement strategies.