How much? The answer is deceptively simple, yet most financial advisors won't tell you without charging a hefty fee. But what if you don't have $2,000 for a professional financial plan? What if you don't want to hand over three years of tax returns, only to receive a complex plan you'll never follow? What if you don't have money to invest, depriving the financial advisor of a commission? Can you really figure out how much you need yourself? The answer is YES. By following the six steps in this book, you'll understand the key to tomorrow's retirement is understanding today's costs and adopting a mindset to shift your expectations. Using a few simple formulas, you'll learn how much money you will need for the next few decades without stressing over every penny you spend. Your result will be simple, surprising, and shocking. And if after answering "how much?" you find yourself asking "now what?", you'll be taught the critical steps you need to take today to be your own best retirement money manager