The key steps are to calculate how much income they need to retire, estimate how much retirement income they can expect from Social Security and employer-sponsored pensions, and decide how much more they need to save.
Saving money makes no difference when it comes to retirement.
mnli hypothesis: Saving money makes no difference when it comes to retirement. premise: The key steps are to calculate how much income they need to retire, estimate how much retirement income they can expect from Social Security and employer-sponsored pensions, and decide how much more they need to save.