Retirement planning gets complicated quickly when every conversation seems to come with a different number. You may hear that you need $1 million. Someone else says $2 million. Another person says you can retire comfortably with $500,000. Then there are the rules about replacing 70% or 80% of your working income, the advice to save a certain number of times your salary, and the ever-present question of how long your money will need to last. It is enough to make retirement fee