“If you sock away just 10% of your income, you might indeed require 80% of your final salary to retire in comfort. But if you save 25%, you could sustain your current lifestyle with perhaps 65%,” according to The Wall Street Journal writer Jonathan Clements. Think about it. If you can get by on less today in order to save more, then you need less to maintain your current level of income in retirement. Quote from “Why you will need less money than you think for retirement,” WSJ, April 9, 2015.