It's not only ghosts and goblins lurking around the corner this Halloween. The true terror haunting millions of Americans is the prospect of retirement.
Who can blame them? A retirement that could last two or three decades requires a substantial amount of money. How much? $1.26 million, according to one oft-cited estimate. That’s just the average. If you lived in Hawaii, another study puts your needed nest egg at $2 million, and higher lifestyles require more.
