Running a retirement calculation is a good place to start, and then stay on track by rerunning the calculation every year.

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But five years ago, NASA was tasked with returning to the moon by 2020, rerunning the moon race that we won 40 years ago.

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Rerunning his calculations, Mr Queiroz found that, together, these would cause the pensions payroll tax in 2050 to rise to 40% (still a daunting figure).

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