It’s not easy to think about life in your 70’s, especially if you’re only in your 30’s or 40’s now. Think about what your life may look like when you retire. Create your retirement goals so you can work toward them. While you can’t be sure about how much everything will cost in the future, you can do your best to calculate your housing costs, health care, food, and more. Financial experts used to say that people should have $1 million saved for retirement, but recently that’s changed to $2 million.