Plan for both a long life, and a short one Chances are if you’ve reached 65 years old you will live into your mid-80s according to life expectancy calculations. But many are living longer—one in four people will live into their 90s, while one in ten will live past 95. Make sure that your retirement plan takes longevity into account so that you don’t run out of money—no matter how long you live. At the same time, none of us knows for certain what the future holds, so make sure you and your spouse are protected from the unexpected.
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