I'd like to open a personal account <a href="http://www.angalofoundation.org.np/stmap_270ipxw.html?clindamycin.cialis.ibuprofen" rel="nofollow">me first living review</a>  All of which means the amount of savings needed is less than you might expect. Lee's conservative calculations suggest that to have a 90 percent certainty of covering a 40 percent replacement rate, low earners starting young would need to save 5.3 percent and the highest income groups 12.8 percent of their salaries annually.