If your projected income and your projected future financial needs don't add up, don't despair. You can work to close the gap by:

If you intend to keep earning for a few more years, make sure you figure in "future savings" and take the appropriate steps to increase what you put aside each month.

Take a good look at your current investment plan and revise your asset allocation if necessary.

If your idea of retirement means working part-time or starting a business, remember that you may still be earning at a level that can help close the gap.