However, those that don't practice good health routines may not live as long but their retirement may be just as costly because of their additional health and long term care costs.
Money quote: "Yes, if your family history and your own health suggest you will live to a ripe old age, you should save enough to carry yourself through 25 or 30 years of retirement, and maybe more. But if you are overweight, never exercise or smoke a pack a day, you could still need a fair amount saved for retirement. True, your retirement may be relatively short.
But it could prove mighty expensive. There's an increased risk you will suffer a debilitating illness or struggle with your mobility, and thus you may get hit with long-term-care costs — possibly the biggest expense that retirees face."
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