What’s The Plan for someone unclear about exactly how much money she’ll need in retirement

This week we look at a woman who needs her inheritance in order to make her retirement, yet she is hoping to not receive it for a long time!
The Situation
Joyce, 61½, lives in Monument and is scared to death about retirement. She has been divorced for several years and has no children. Joyce’s career is in medical-equipment sales and she had a few good years when she made more than $100,000. Because of the company’s performance, however, she recently was forced to take a pay c