Pay less; earn more Most of us will not have enough money in retirement. $1,180.80 is the average monthly Social Security benefit. It will be reduced in 2034. Fewer have pensions or self-pay funds than in the past. The main reason we will struggle is the lack of a plan. Most of us settle for a 'fantasy' $ million-playing the lottery weekly. A $1 million fund is not hard to reach with a plan and TIME. Most of us do not have the essentials of a plan...