5 Signs You’re Behind on Retirement Savings

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Lack of planning seems to be the main issue here. Most people don't think about retirement in a serious way until it is much too late and without the power of compounding and saving behind them, they end up with a nest egg that is not sustainable for their quality of living.
In addition as Sockmoney points out ... 8% is a really high number ... if you can get that in this economy and world - please tell me how! :)

Glass Is Half 11:37AM September 15, 2010

I don't think it is safe to assume an 8% rate of return when doing retirement saving calculations any more. The market has been in flux for years now, and bonds/cd's are in the dumps. I think the new "safe" number should be 4%, and you are lucky if you get that!

Sockmoney of IN 3:16PM September 13, 2010