Over an eight-year period, the British cycling team won 16 gold medals and seven Tour de France wins. And credited for their success, the team used the theory of marginal gains. The theory goes that if you make a one percent improvement in a host of tiny areas, the cumulative benefits would be extraordinary. So, let’s talk about how this theory could apply to our money. What are some areas in retirement that we can make marginal gains on to possibly improve our retirement plan?