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When can you afford to retire?

The expensive approach to retirement is to pile up so much money that you'll be safe no matter how long you live or what goes wrong with your health or the markets. But for many families, the amount required seems ridiculously out of reach, especially after the twin crashes of Wall Street and Main Street. "There's a big sense of futility and hopelessness," says Liz Davidson, founder and chief executive of Financial Finesse, a Manhattan Beach (Calif.) educational firm.