How much money do I need to save before I retire? It’s one of the most common questions we hear and one of the most difficult to answer. To give an accurate response, we would need a few other questions answered first. These include: What are your expenses? How are your savings invested? What’s the market going to do? How much will you spend on health care and/or long-term care in retirement? Perhaps the most important unanswered question is, how long are you going to live?