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4. Your children are financially independent
4. Your children are financially independent | Hinterhaus Productions/Getty Images

4. Your children are financially independent

Kids, especially in their college years, are expensive. To retire with children who are still financially dependent, there needs to be enough savings to cover college expenses, says Don Cummings, founder of fee-only investment management company Blue Haven Capital in Geneva, Illinois.

"Are there children with special needs who may be living in the household or perhaps on their own who will continue to be an expense?" he asks. "What about parents with similar needs?"

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