Earning six figures during your career feels like financial stability. But if you want that same $100,000 a year once you stop working, the question becomes: how much do you really need saved? The answer depends on a mix of math, timing, and personal circumstances. How Much Income Do You Actually Need? Most experts say retirees can live comfortably on about 70% to 80% of what they earned before leaving the workforce. Jamie Hopkins, CEO of Bryn Mawr Trust Advisors, used that guideline to estimate that som ...