There may be a gap between how much you spend and how much you think you spend. This gap should be factored in when trying to determine how much you’ll need in retirement: Probably more than you think. It’s natural to not want to think about this: It can be disconcerting to see what you spend on those one-off purchases that you rationalize in the moment, but don’t factor into future consequences. Call us. We can help you navigate your options to fill this gap and have enough to retire comfortably.