Saving enough for retirement is at or near the top of everyone’s financial goals. The problem is, it is never easy to figure out exactly how much you are going to need when the time comes. Most online calculators estimate that you’ll need about 70-80% of your pre-retirement income to have the kind of life you want in retirement. But that estimate may be a little high. There are many expenses, including childcare, education, paying off your mortgage, and buying nice clothes, that are likely to go down or disappear when you enter retirement. So you may actually get by on a whole lot less than you do now. For the full story, click here.