A Second Class stamp http://xnxx.in.net/xnxx./ Xnxx. For some reason, you may have higher-than-average retirement needs. Maybe you or a spouse has serious medical issues, or you have a disabled dependent who will never be able to live on his or her own. In this case, you’ll want to try to replace even more of your pre-retirement income during your retirement years. However, at least one study suggests that many retirees will need just 35 percent of their pre-retirement income.