SmartAsset and Yahoo Finance LLC may earn commission or revenue through links in the content below. From one perspective, by age 67 your retirement budget is largely set in stone. The accumulation phase of your working life is over, and whatever set of savings and benefits that you have is… well, what you have. Looking at things that way, when it's time to set your budget the next thing to do is run the numbers and see what kind of retirement your savings will bear. Now, it isn't always as tidy as th ...