BTW - there's a great free online financial calculator that is very simple to use but allows you to map out various retirement scenarios. It's called the Ultimate Retirement Calculator from Financial mentor. It allows you to easily play around with various scenarios and assumptions. I started using it 11 years ago when my ex left. Now I'm a lot closer to retirement and I still use it to map out my options. What happens if I wait until 70 to take social security? What if i retire earlier but work part time? You can input different retirement incomes with different start dates, with or without inflation adjustments (my pension doesn't adjust for inflation but my social security will) etc.
It can give you an idea of what you need to do (in terms of increasing income or decreasing expenses) to have a chance at a good retirement. Deal with facts not fears.
