Many will take their time researching and thinking of ideas, but the magic happens and the story comes together right before the deadline.

FORBES: New Study Finds Those Who Are Not Under Financial Stress Will Be Soon

The problem is that big numbers of that sort can either scare investors into thinking a target is unobtainable or force them into a risky glide path in search of returns to reach that magic number.

FORBES: The New Retirement Rulebook