The $955 figure is hogwash.
Just saw figures of something like, age 55-64 have an avg retirment 401K of approx 264K(still not a lot!).
A far cry from $955!
Retire to a place and lifestyle you can live on retirement funds. Imo retirement is for focusing on health and family
264K(still not a lot!).
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Minus taxes and subject to the destructive effects of inflation. You’re right, not as much as it appears.