<prompt> Human: Some very powerful information. Thankfully my personal plan is fairing well under their recommended milestones. See slide 15. Undoubtedly, there is always room for improvement. What does PF think?  <response>: This was very well put together. Theres a link on the side with the option to open the entire presentation in one window, since its kind of disorienting to click on each slide. Or click hereBasically to anyone who isnt going to read it, it shows actual statistics for retirement planning. Such as categories most people spend money on after age 65, healthcare 13 of income, food 13, housing 30, transportation 15 are all rising faster than the average inflation such as healthcare rising at 5.1. Some other points it makes:-68 of workers expect to retire at age 65, while only 25 do. The top reasons for retiring early are: Health or disability problems, being able to afford retirement, caring for a spouse, downsizingclosing of a company.-The workforce is older than it ever has been. This is primarily due to healthy people who keep working to stay active and involved, and who enjoy working.-Theres a 47 chance at least once spouse will live to age 90, and that percent is going up every year it was 45 last year. -If you defer social security to age 66 instead of age 62, youll have received more benefit by age 75. Deferring it to 70 instead of 62, youll have more benefits by 77. If you defer it to 70 instead of 66, youll have received more benefit by age 79. By the time youre 85, and you took benefits at age 70 instead of age 62, you will have received an average of 275,548 more in benefits. - Here is the chart OP talks about.-They go over why saving early is better. When youre 65, 5000 invested from age 25-35 will be worth more than 5000 invested from age 35-65.-From 1959 to 2013, the average personal savings rate is 8.4. In 2013, people were only savings an average of 4.5.-This chart does a good job of explaining why its important to not withdraw a huge percentage of your balance. They also warn to take into account that during certain years, the market will decrease your balance and in others will increase it dramatically. Rarely do you get an average return of 7; instead you get something like -7 one year, and 14 the next year.-A very good chart explaining why its important to not try and time the market. Missing a market rally can be detrimental to your investments. Theres a lot more information in the slideshow, but a lot of it is stuff that either has been rehashed here over and over, or just hypothetical saving growth that you can do yourself with any calculator. 