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Fidelity’s financial planning website suggests that a 45-year-old should have 4x his/her salary saved for retirement in order to be on track for a successful retirement. Let’s assume you are 45 years old and make $100K per year. If your retirement account balance is $500K, then you would be “Crushing it!” per Fidelity. But, before you celebrate with an over-priced bottle of wine and a new pair of designer shoes, the market swan dives 20% over the subsequent weeks due to the emergence of a deadly virus and the ousting of a corrupt president.