Long Life, Meet Smart Money Strategies: How to Make Your Money Last

Older couple planning for longevity, retirement income, health costs, and long-term financial security
A longer life requires retirement savings, income, and health planning designed to last

Your money is more likely to last when your retirement plan accounts for longevity risk, future spending, health-care costs, long-term care, reliable income, and the lifestyle you want to maintain. The number you have saved matters, but so does the number of years those resources may need to support you.

That makes “Will my money last?” one of the most useful questions you can ask before retirement and throughout it. Longer lives can give you more years with family, travel, hobbies, work you choose, and personal independence, but they also extend the financial job your savings must perform. Once you plan around that longer timeline rather than an average retirement, many decisions become easier to evaluate.

How Long Should You Plan to Live in Retirement?

You should plan beyond average life expectancy rather than treating an average as an expiration date for your financial plan. A longer planning horizon gives you room for the possibility that retirement lasts 25, 30, or more years. Keep Reading... 

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