Ok - so reading Yahoo! Finance about retirement I stumble upon this article which really plays up the value of a new online retirement calculator:
An improved tool from Uncle Sam is one of the best resources available to help calculate your retirement finances.
Most people have the same first question about retirement: How big a nest egg will I need? Two years ago, the Employee Benefits Security Administration, part of the Department of Labor, published "Taking the Mystery Out of Retirement Planning." This smart, 62-page guide helps answer that question in a detailed, but easy-to-understand, manner.
And now it's even better. Now, these worksheets have been moved online and you can let the Labor Department's computers do the math.
I have used many online calculators and don't like most (which is why I have made my own retirement spreadhseets) - So I head on over to the new tool to see for myself and to use their sheet you must be between 50 and 70 years old!
It actually gives you an ERROR if you try to say you are younger.
NEWS FLASH for uncle Sam, if you are between 50 and 70, there isn't a lot of wiggle room to plan for retirement! You are already most of the way through with your plan! (Whether you knew it or not). Also my peers are VERY retirement focused and we are all in our 20's and 30's.
That's why Uncle Sam is an Idiot.