Go to this link and figure out how much you'll need to have in the bank at age 65 so that you can retire comfortably.

http://cgi.money.cnn.com/tools/retir...entplanner.jsp


I'm $6.8MM short as of yesterday.

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You have your way. I have my way. As for the right way, the correct way, and the only way, it does not exist.