This Element is an excerpt from Work Wanted: Protect Your Retirement Plans in Uncertain Times (ISBN: 9780132354646) by James W. Walker and Linda H. Lewis. Available in print and digital formats. Be prepared: a realistic, indispensable new look at what you’ll really be spending when you retire. You are likely counting on pension, savings, and health programs from your employer to sustain you in retirement. Combined with personal savings and Social Security, you reasonably expect retirement to be enjoyable and secure. However, many people underestimate their financial needs and overestimate their prospective resources. You may need to take a fresh look at your financial situation....