Did you just use an internet quiz to determine your retirement date?

With a simple browser search, you can find thousands of surefire formulas for retirement success—everything from how much should be in your wallet to how old you should be when you leave the workforce.

Of course the internet doesn’t know you. (Even though it sometimes seems like it does.) While the information it provides can often be helpful, especially when it encourages preparation and not panic, all of those theories and rules of thumb are just a starting point for retirement planning.