Retirement planning helps you identify lifestyle goals and includes projections of your likelihood of achieving your financial goals, with financial independence an objective. For situations where projections show less than the desired results, a recommendation may include showing the impact on projections by making changes in certain variables (i.e., working longer, saving more, spending less, taking more risk with investments). If you are at, or nearing retirement, please read the answer to how much can you safely spend below.

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