Most retirement advice focuses on one thing: save as much as you can. Many estimates show you may need close to $1 million to retire comfortably in many states, and as much as$2 million in more expensive places like Hawaii (1). But here’s the problem: most Americans aren’t close to those numbers. Fidelity data shows the average person nearing retirement (aged 55 to 64) has around $200,000 saved — far less than experts say is needed. Younger workers are even further behind, with the under-35 group averagi ...