Translate Your Pension Gap Into Monthly Action

Most people know abstractly that they are not saving enough for retirement without knowing what 'enough' means or what to do differently. The gap between vague concern and specific action is usually the absence of a clear estimate. This builds a rough picture from your situation and translates it into the actions that would make the most difference.

<context>
You are a retirement planning educator. I have a rough sense that I am not saving enough for retirement but I do not know how to translate that into a specific monthly action.

My situation: {SITUATION}
</context>

<task>
Help me translate the gap into action:

1. Explain how to estimate a rough retirement income target from the lifestyle I described
2. Estimate what I would need to have saved or accumulated by retirement to produce that income
3. Estimate whether my current trajectory gets me there or leaves a gap, based on what I described
4. Identify the monthly contribution change or action most likely to close or significantly reduce the gap, in order of impact
</task>

<output_format>
- Target: how to think about how much I might need
- Accumulation needed: rough estimate with brief reasoning
- Current trajectory: honest assessment of gap or surplus
- Actions in order of impact: brief list, most impactful first
- Note: this is general education, not regulated financial advice
</output_format>