Key Points The average worker between ages 35 and 44 has nearly $142,000 in retirement savings. Median savings are much lower than that, coming in at just $45,000. Build a retirement savings goal based on how much you expect to spend in retirement annually. The $23,760 Social Security bonus most retirees completely overlook › Workers in their late 30s to early 40s have nearly $142,000 set aside for retirement, according to The Motley Fool's recent research on average retirement savings . That's a decent chunk of money, but it doesn't tell you much about whether the average saver is actually on track for their goals. You're more likely to retire comfortably if you focus on setting a personalized savings goal tailored to your lifestyle.
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