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The Last dash 50s

How do I calculate my income needs in retirement?

If you haven't saved anything for retirement until now, you'll probably need to do some belt-tightening. Consider investing 25 percent of your income, "or you won't make it without working (after retire­ment)," Shirley says.

    If you are saving, visit a financial advisor to check your portfolio performance. Also, start adjusting spending to match what you'll have available to spend in retire­ment. It's not a simple calculation to make, but your financial advisor can help.

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