People tend to underestimate their life expectancy, and it’s not surprising. It’s the look around problem again: You generalize from life spans of older friends and family members and figures that’s what’s in store for you, too. But in an era of rapidly improving life expectancy, the look-around method once again gives the wrong answer.
Life expectancy at age 65 today is 15.6 additional years for woman. For both sexes, this represents an increase of more than two years just since 1970. By the time the youngest baby boomers turn 65, the Social Security Administration projects that life expectancy at that age could be as high as 18 more years for men and 21 years for women. Note that everyone runs very nearly a 50 percent "risk" of living longer than their life expectancy.
That reality makes retirement planning exceptionally difficult. On the day a husband and wife turn 65, they may have only a year or two of living between them to
A. To decide one’s life span according to one’s family members and friends.
B. To look around to find a better place to live.
C. To try to discover the best way to live longer.
D. To try to find a better college for your children.
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