If you put nothing away for retirement, I can tell you, to the last penny,
how much you will have when you retire: nothing.
-- John Bogle  

It's smart to heed the words of John Bogle because he was an iconic index-fund pioneer with a long and well-regarded career -- and he knew a thing or two about money and retirement. Permit me to quibble with him a bit, though: Most of us in America will have some kind of income in retirement -- from Social Security.

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Source Fool.com