Be sure you’ve accounted for all possible expenses in that estimate for annual expenses — not just the month-to-month bills like a mortgage or rent, utilities and groceries, but the discretionary spending that makes retirement fun, and the extra savings you’ll want should an emergency arise. You’re in a good position to increase your annual expense estimate to be on the safe side, especially if you’re planning to continue saving (just in other vehicles beside your retirement accounts).A few key pointers: ho ...