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PLANNING FOR RETIREMENT "Now is no time to think of what you do not have, think of what you can do with what there is." This quote from Ernest Hemingway may be relevant as you analyze what you need for a successful retirement. Of primary importance to everyone is the amount of money they will need for retirement. Do you need <$10,000,000 or >$800,000 or some amount in-between? This amount is difficult to calculate because no one knows how long they will live, what rate of return their investments will return, or what the income tax and i