Do you know how much you need? No? Take a guess.
We compared estimates and 'rules-of-thumb'. They're all over the board! 

• One rule-of-thumb says your retirement paycheck should be 80% of what you're making now (depending on your tax bracket, that could be more than you take home now!).

• Another says you'll need 60% of your current income (a little better, but what about a paid-off mortgage, larger insurance bills, an occasional vacation, etc.?) 

• Another says 70% of today's income, but if you’re a low-income earner you’ll need 90% or more (how much is high, how much is low?).

• Of course, you can hire someone to make an estimate for you. But are you willing to let a stranger tell you what you need? Professional or not 'No thanks!'