Whether using a professional financial planning advisor or a retirement planning calculator, the first question to be asked is "How much is needed each year to maintain a comfortable lifestyle?"

Be Accurate With the Budget for the Retirement Plan

The accuracy of any budget will control the relevance of the money management plan. Using an expense amount that is too low to provide that lifestyle will give a false sense of security for the future. Using an amount that is too high will cause financial distress, and maybe years longer in the workforce than is necessary.

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