In the mid-70s, the start of individual retirement accounts and 401(k) plans spurred a drive in American workers to pile money away for retirement. But more than 40 years later, more of us are realizing there could be a better way to think about your money for retirement. People get caught up in how much they’ve saved. But what you really need to think about is how much you may need to spend in retirement. If you’ve been focused on saving and not on income, there’s a lot you will learn from today’s show.