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For months, Susan couldn't sleep. She'd lie awake at 3 AM, mentally calculating. Should she go back to work full-time? Could she? Age discrimination was real. Should she move into a smaller home? Sell her car? Cut her budget to bare bones? She'd been a responsible person her whole life. She and John had done everything right. Yet here she was, a widow in her early sixties, watching her recently deceased husband's life insurance slowly drain away, knowing it wouldn't last.

The sobering reality:  If you're earning $120,000 annually, you'll need between $90,000-$102,000 per year in retirement to maintain your...