Act of avoiding the answer after retirement to 'Do you spend?' (7)

I believe the answer is:

evasion

'act of avoiding' is the definition.
(evading means avoiding)

I cannot understand how the rest of the clue works.

(Other definitions for evasion that I've seen before include "Illegal avoidance (of tax)" , "Deliberate avoidance" , "The avoidance of commitment" , "Improper avoidance" , "Circumvention" .)

I've seen this clue in The Guardian.

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