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.
Social security is often included in an employer sponsored pensions.
mnli hypothesis: Social security is often included in an employer sponsored pensions. 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.