The number one question pre-retiree clients ask is “do I have enough to retire?”  The answer is – IT DEPENDS.  It depends on how much you want to spend and how much you have saved to cover those expenses.  Retirement is a time of transition and spending will likely vary year to year.  Family vacations, a medical event, and charitable or family gifting are just three items that can throw your retirement budget out of order.  Then we have  three areas that affect everyone yet we are not able to control – tax rates, inflation and the market.  Income sources are limited in retirement so spending becomes the one area you can control.  The Wall Street Journal Experts chime in on this discussion here: