Many Americans have no idea how much they need to save for retirement — and the calculus is getting even more complicated

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• How much money people need in retirement isn't one defined answer — it really depends.
• While some workers think they'll need $1.5 million or more, many don't have nearly that much.
• And while some retirees rely on Social Security, those benefits may not be paid in full in just 10 or so years.

What's your magic number for retirement? Many Americans don't know, and it's getting even harder to calculate — especially as Social Security is...