Scenario 1: Patricia
Earns the median salary for a museum curator, $50,000. 
Is 40 years old and hasn't started saving for retirement yet.
Would like to retire at 67, when she could receive Social Security benefits.
If Patricia decides she can set aside 10% of her salary in saving for retirement: 
How much will she need in retirement? 
How much will she have at age 67? 
How short is she in her savings?