Excerpt: Pennsylvania retirement planner Daniel White points out this startling retirement planning calculation:  He says that in 2000, the average Social Security benefit was $840 per month. To make an equivalent amount of money outside of Social Security – $10,080 per year — a saver who put his money in five-year Treasuries earning the going rate of 6.16 percent needed about $162,500 in savings.    See More

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