Motley Fool columnist, Ryan Downiest advices readers to “embrace these 5 surprising facts so you can build a successful financial plan for retirement.”

If you’re worried that you won’t have enough money to retire comfortably, you’re not alone — 70% of Americans share this concern. People know they need to save, but the specifics get hazy from there. How much should you have in your retirement account? How much do you need to save every year? How should you invest your 401(k)?

The answers to these questions are different for everyone, but accepting these five hard-to-believe retirement facts will help you build an informed plan that’s tailored to your specific goals.

1. The average retirement number should be $650,000

2. The average couple needs $300,000 in assets to cover healthcare costs in retirement

3. Your savings become less valuable over time

4. You don’t get to keep all of your 401(k) savings

5. You need to plan for more than 20 years of retirement

For much more on each of these click here to continue reading.