This is the first book that I have found that gives a clear and precise plan for how to estimate how much an individual will need for a secure retirement. Mr. Benna gives a step-by-step plan for projecting how much money a person needs to accumulate in order to have enough money to last them throughout their life. The charts are easy to follow and can be individualized for each persons particular circumstances, risk tolerance and level of sophistication. Previously I was apprehensive as to my ability to accurately project my financial needs in retirement but after reading this book I felt that a huge load had been taken off my shoulders. Now I know I will not be surprised by running out of money during the most vulnerable part of my life.