Do you really need a firm retirement plan? How detailed does your retirement plan actually need to be? Do you still need a plan even if you plan on working during your retirement? These are some of the more interesting questions that online financial ‘experts’ and retirement guides don’t ask. Thankfully, some people have the answers. Key Points A late 20s couple earns $300k annually with hundreds of thousands saved but lacks a retirement plan. Solo 401(k) accounts require actual self-employment statu ...