How Much Should I Plan For Retirement? 
You should plan greatly for retirement based on new mortality projections , inflation erosion and products that generate returns based on your financial profile and risk tolerance . If your tax bracket is high , you should consider qualified plans , especially if your employer matches any portion of your contributions . If your tax bracket is low and theres no employer match , then you may want to look at non-qualified options that generally less restrictive and may have more liquidity . 