 TITLE: How Much You Should Have Saved for Retirement by Age CONTENT: What to Consider When Saving for Retirement\n-------------------------------------------\nGuidelines can be convenient for planning purposes, but the reality of saving for retirement will change substantially from person to person.\nFor example, if your spouse is 10 years older than you are, you may stop working full time sooner so you can join them in retirement. If your spouse doesn't earn income from work, you may need to save more to ensure a comfortable retirement for both of you. You may be in good health and enjoy working, which could mean you'll retire later than the typical retirement age of 67. Or you may plan to substantially reduce or increase your standard of living in retirement, which affects the amount you should save now.\nMany factors, including your health, the strength of the economy and your employment situation, are largely out of your control. That means you can do your best to save and still feel behind compared with where you'd prefer to be. However, it's possible to increase your savings rate if necessary, and to get help from experts if you need it, such as a financial planner or a nonprofit credit counselor. END