How Much Should You Plan For Retirement? 
You should plan A LOT for retirement ! Why ? Because your retirement date may be a moving target , despite what you believe . There are many variables such as social security , safety of a defined pension , the performance of your investment portfolio etc. . . Current events can often change what appeared to be set in stone . You should meet regularly with your financial adviser , make appropriate changes when and if needed , and adapt and adjust to changing market conditions . You 'll be wiser and you 'll sleep better . Do n't chase impossible rates of return . Diversify and allow full-time professionals to help you . 