Key Points It's important to have a thorough retirement plan, outlining how much income you'll need and how you'll amass it. Be sure to estimate your future spending comprehensively, including the expenses outlined below. Remember that there will likely be multiple unexpected expenses that pop up over the years. The $23,760 Social Security bonus most retirees completely overlook › Planning and saving for retirement is a tricky endeavor, because there are many unknowns -- and luck plays a factor, ...