Introduction 1 Part 1: Getting Started 5 Chapter 1: Retirement Planning Is Up to You 7 Chapter 2: Determining How Much You Spend 21 Chapter 3: Calculating How Much You Need to Retire 41 Chapter 4: Choosing the Right Account 61 Chapter 5: Gauging Your Appetite for Risk 79 Chapter 6: Opening Your Accounts 93 Part 2: Using Online Resources 115 Chapter 7: Managing and Optimizing Your 401(k) 117 Chapter 8: Taking Your IRA to the Next Level 139 Chapter 9: Optimizing Your Retirement with Third-Party Offerings 157 Chapter 10: Digging into Social Security 177 Part 3: Maximizing Your Retirement Knowledge 195 Chapter 11: Balancing Retirement Savings with Other Needs 197 Chapter 12: Fine-Tuning Your Asset Allocation 221 Chapter 13: Keeping Your Retirement on Track 241 Chapter 14: Gearing Up for Retirement 259 Chapter 15: Understanding Pensions 277 Chapter 16: Getting Insurance 293 Part 4: The Part of Tens 311 Chapter 17: Top Ten Retirement Mistakes 313 Chapter 18: Top Ten Retirement Questions 317 Index 323.