A big concern for people seriously thinking about retirement is whether they are on track for the retirement they want. The question is particularly relevant today as finance gurus talk about a possible new normal, with low interest rates potentially indicating low future returns. Consider this situation: You set a goal, estimate your annual savings towards retirement, and have a target year in mind. You use a retirement calculator and find that at the current rate of savings, you fall short of your goal. What do you do?

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