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If you take a look at how seniors today struggle with healthcare costs, housing expenses and every other kind of expense, you start to wonder what will happen when it’s your turn. There is a lot of information on developing a financial plan for retirement at http://www.finance.yahoo.com. One thing I read there was pretty enlightening. It seems median families in the U.S. have an average of about a third of what they actually need when it’s time to retire. According to the experts, the most important thing to do today is calculate how much you actually need for retirement instead of guessing