Lynn has learned that she will need to save $1 million dollars to support her current lifestyle if she retires in 15 years. Lynn jiad not thought about planning for retirement until now. If she begins saving now, she will need to save approximately $67,000 per year. Based on her annual income of $75,000, this goal is not attainable. How would Lynn's retirement be affected if she had understood the importance of planning for retirement earlier?