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How long to you think you will live?
Old 11-25-2007, 11:30 AM   #1
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How long to you think you will live?

How long do you think you will live? I am planning on living to be 100 as far as how long I want my nest egg to last. Deaths due to natural causes in my family range from 50 (heart attack) to 104 (old age). Hard to make any predictions for me, but I am in good health at 60. DH's family tends to live late into 80s - early 90s. We ER in '96 at 49 and are tracking within our "live to be 100" plans.

How long do you think you will actually live vs how long do your retirement plans have you living?
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Old 11-25-2007, 11:45 AM   #2
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How long do you think you will live? I am planning on living to be 100 as far as how long I want my nest egg to last. Deaths due to natural causes in my family range from 50 (heart attack) to 104 (old age). Hard to make any predictions for me, but I am in good health at 60. DH's family tends to live late into 80s - early 90s. We ER in '96 at 49 and are tracking within our "live to be 100" plans.

How long do you think you will actually live vs how long do your retirement plans have you living?
Unless something drastic happens, like death, I foresee living into my mid to late 80's at least....hopefully 90's or 100+. With investments and DB pension, I'm good forever, with no age cap.
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Old 11-25-2007, 11:46 AM   #3
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We are planning through to 100, however I think I will die much earlier than that. My father died at 58, my mother is in poor health at 65, if she sees 70 I will be surprised. I only had one grandparent make it out of their 60s. Diabetes and cancer has claimed the lives of so many in my family tree that it is not funny.

However on DH's side they are like Energizer bunnies, they just keep on going. Both his parents are alive in their 80s, one of his grandmothers died at 95 so for him he should be around for a long time.
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Old 11-25-2007, 12:34 PM   #4
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Most of my family makes into their late 80's. But with new meds and early detection - I am planning for mid 90's for DW and I - I'll let you know!
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Old 11-25-2007, 12:35 PM   #5
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Grandparents on both sides who didn't smoke made it to late 90's. I figure with reduced stress and a good ER plan, I should expect something similar, so I plan for 100.
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Old 11-25-2007, 12:52 PM   #6
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Realistically, I think about 85 would be my best guess.

But for financial planning purposes, I am prepared to live to 102. This is due to longevity in the family, and a desire to not be both old AND broke at the same time.
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Old 11-25-2007, 12:56 PM   #7
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My dad died at 68 and Mom is still hangin' in there at 92.

Just last night I told my 64 year old sister that if she dies at the same age as Dad, she only has four more years to live. That's an eye opener.

Another eye opener is to hold a yard stick and say "If this is your life, you are about here."
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Old 11-25-2007, 01:08 PM   #8
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I've told my son many times that my goal is to live long enough that he has to change my Depends as that will be the only way I can get him back for being the oppositional child that he was. This is all said in jest, of course.
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Old 11-25-2007, 01:17 PM   #9
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I figure I'll croak around 85, but finances are planned to 90.
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Old 11-25-2007, 01:43 PM   #10
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many of my family on both mom & dad's side live into their 80s & 90s. no heart problems, minimal cancers (my very favorite uncle with pancreatic died in his mid 70s & one aunt with skin cancer in her mid 90s) & i have one line (mom-her dad-his mom) with alzheimer's disease. i have well-off & even very wealthy relatives over 75 who still work. mom would have been one of them weren't it for a.d.

i retired early in part because life became temporarily so crappy but also in consideration of the possibility of alzheimer's at 70. i wanted at least 20 good years for me. i plan on the possibility of living into my 90s or beyond.

my mother always wanted to be a little old lady some day but never got the chance. when i see how life inevitably ravages the body and takes its toll on the soul (i'm not religious; i'm poetic) with old age, i don't know that i'd care for that and so i just might check out early. decision pending.
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Old 11-25-2007, 03:00 PM   #11
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Anything over 80 is frosting on the cake. The good thing about making it to 80 right now is that my life isn't even half over yet.

I also know that my budget at 70 or 80 will be different than my current budget, or even my beginning budget at full retirement. For example, I plan on traveling and doing the physical stuff now that I probably won't be able or won't want to do in my 70s, so the line item for travel and entertainment may drop considerably. But chances are the line item for medical will go up.
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Old 11-25-2007, 03:02 PM   #12
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Mid to high 80's.

I remember being 10 and while I was setting the all time record for ticket sales to the Cub Scout Ball by preying on little old ladies who couldnt get over how cute I was in that scout uniform, that if I lived to 100 I was already 10% of the way there...
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Old 11-25-2007, 03:06 PM   #13
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Originally Posted by lazygood4nothinbum View Post
many of my family on both mom & dad's side live into their 80s & 90s. no heart problems, minimal cancers (my very favorite uncle with pancreatic died in his mid 70s & one aunt with skin cancer in her mid 90s) & i have one line (mom-her dad-his mom) with alzheimer's disease. i have well-off & even very wealthy relatives over 75 who still work. mom would have been one of them weren't it for a.d.

i retired early in part because life became temporarily so crappy but also in consideration of the possibility of alzheimer's at 70. i wanted at least 20 good years for me. i plan on the possibility of living into my 90s or beyond.

my mother always wanted to be a little old lady some day but never got the chance. when i see how life inevitably ravages the body and takes its toll on the soul (i'm not religious; i'm poetic) with old age, i don't know that i'd care for that and so i just might check out early. decision pending.
Lazy, I know exactly exactly what you mean. Mom's AD was early onset.

Here's the rub: If you decide you don't want to go down that same road, how do you know when to pull the plug. I'm already several years older than Mom was when her AD began. I am also keeping my options open...and hoping that I'll still remember what the options were for when I get to the point where I need to exercise them!
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Old 11-25-2007, 03:29 PM   #14
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Wow... my number before I got in here was 85... and I see a number that are the same...

Dad died early 60s... mom is in great health at 88... both grandmothers died in their 60s, but granddads were mid 80s and late 90s...

I hope it is 100 or more, and will have money for it if it happens, but my BIL said the same thing and died a few weeks ago at 72... you never know.
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Old 11-25-2007, 03:34 PM   #15
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The charts say 90-95 and I find that depressing. I have inherited all the joint and nerve problems from my mother's side, and (I assume) the penchant for strokes.

All my spreadsheets stop at 80.
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Old 11-25-2007, 05:27 PM   #16
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On the one hand, many of my relatives lived to their 90s and there was even one person who made it to 101. On the other hand, there were relatives who kicked the bucket in their 50s or 50s. I am probably not as healthy as some of my long living clan at this age, despite being a nonsmoker. I took one of those lef expectancy quizzes last year and it came up with 76. I'm doing my calculations based on 90. But frankly I am more interested in quality of life than in quantity and I agree with Lazy on the issue of an early checkout.
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Old 11-25-2007, 05:39 PM   #17
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I am already beyond the age of all of the Males on the paternal side of my family. I do however have one Aunt who lives by herself (and dog) out in the country (Northern Wisconsin) who will turn 90. Her sister, my other Aunt, is in her 80's. Mother made it to 80 but she smoked until about 2 months before passing. My Father's Grandmother lived to 105 or so. I do hope to make it to my mid 80's and the financial plan runs to 90 years.
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Old 11-25-2007, 05:41 PM   #18
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I think the deciding factor on how long I want to live is the quality of life. My mother is 88 and is restricted to an assisted living retirement home. A nice place but she can not go for a walk around the block.

Maybe the question should be:
How will know it is time to quit?
For me it would be when I could no longer take a walk to the bar, get drunk, and get around by myself. Being cooped up and only having the options to watch Jerry Springer Shows on TV is my limit. I'm sure I'll be able to get some setatives and a good bottle of wine to end it. The more I think about it; I think I'll do it in a strip club. I may not know at what I'm looking at or why but it might help me to remember.
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Old 11-25-2007, 05:45 PM   #19
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I hope long enough to tour Italy and see my grandchild grow up .I hope long enough to make a dent in my retirement savings and drive cross crountry .I hope long enough to have finally mastered sauces and learned yoga and gone on a great cooking tour and learned how to dive and crochet and gone on a Elderhostel trip by myself .
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Old 11-25-2007, 05:54 PM   #20
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I agree with Dex about the quality of life being more important than the length. I do not expect to die a "natural" death. Instead I hope to be able to die by my own hand (or with my doctor's help) when I reach the point where the quality of my life no longer justifies continuing. I support efforts by the organization "Compassion and Choices" to enact legislation giving us the right to make that choice. I realize there are many ethical and moral issues involved and attitudes and the law are slow to change. I hope I live long enough (in reasonable health) to see those changes. Both my parents lived to 89. Dad played tennis daily until 85 and died within 8 weeks of being diagnosed with lung cancer. Mom suffered from alzheimers from age 70 and spent the last few years of her life in a nursing home. That is a fate I have no intention of repeating.


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