How much savings will you need to get through retirement? The short answer is "a lot."

Social Security will only replace about 40% of your preretirement income if you're an average earner. And most seniors inevitably wind up needing about twice that much income to live comfortably once their careers wrap up and they're no longer earning a paycheck.

Now, when it comes to building retirement savings, you have choices. And you may be saving for retirement in a few different accounts, including a 401(k) plan, IRA, and HSA.

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Source Fool.com