收入高有房无贷无孩子这些，都只能作为increase ability的要素，而不能作为willingness对吗？后者必须是主观意愿和情绪上的要素？
如下：Rual has a greater willingness to take risk because:
Rual owns her business.
Rual plans to retire relatively early at age 52.
Rual is confident that equities will deliver positive returns.
