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You May Need Less Retirement Income Than You Think
MarketWatchLink to more items from this source
Dec. 2, 2015
"In retirement, you likely no longer contribute to Social Security, Medicare and your retirement account. That means your replacement rate is down to no more than 77% of your final year's salary -- or 60% or less if you use average lifetime income ... If you subtract other expenses -- commuting and a lower federal income-tax bill (assuming you're in a lower tax bracket in retirement than you were in your working years) -- the replacement rate falls lower still."

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