How to Plan for Retirement

You’ve saved for decades. Now comes the harder part: making sure that balance survives a market drop, a health scare, or twenty-plus years of spending, instead of just looking sufficient on the day you retire.

Do you know exactly how much you need to retire, or are you working off a figure you saw in an article once and never checked again? Do you know when to claim Social Security, or are you planning to decide that later and hope later isn’t too late? What happens t…