By Chris Woodward, OneNewsNow - A new survey finds $650,000 to be the median estimate of how much money Americans think will be needed in retirement... But one expert calls it unwise to come up with an arbitrary number... The $650,000 finding comes from a Bankrate.com survey of 1,000 adults, USA Today reported... Financial expert, author, and speaker Chris Hogan says the figure really depends on someone's lifestyle, their debt load, and their aspirations for retirement.