Hello all--I don't anticipate retiring early but hope I'm still welcome here. I've learned a lot from you all by lurking. As my title indicates I'm a never-married woman with tremendous fears about retirement and trying to take a sensible approach to planning for the future. I am a college professor with a good savings, frugal habits, and a trusted financial advisor (I do not feel confident investing myself, although I'm an active learner/participant in my financial matters). I am in excellent health and in a field I love, so retiring because I dislike my job and/or can't do it well anymore is not a concern. What does concern me is that fact that the women in my family are very long lived (~95-100 years old) and even if I retire at 70 I'll be many years in retirement. My job does not include a pension although I've contributed the max to my 403B (with an excellent matching program) for many years. My job is 100% secure as I have tenure with a very stable university. Still, with the shakey markets, I worry too much about the future. Evidently I'm not alone: the group of people most likely to be poor in retirement are single women, and even if they have savings they often--like me--have "bag lady syndrome"--anxiety about ending up demented and eating cat food on the streets!