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View Poll Results: How long do you plan to be retired?
5-10 years 1 0.83%
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26-30 years 17 14.17%
31-35 years 29 24.17%
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Old 02-11-2009, 07:44 PM   #41
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Didn't read the whole thread, so forgive me.

Here is a calculator to help you figure out when retirement ends.

Life expectancy calculator - MSN Money
So - I took the calculator - does Viagra still work at 92?

And is 92 then ok to start spending down principle instead of just dividends and interest.

heh heh heh - and no I'm not serious.
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Old 02-13-2009, 06:30 PM   #42
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Wow, I really LIKE that lifespan calculator!! It says I will live to 99.

Sounds like I would be nearly immortal.

Living to 99 would mean 38 years of ER, instead of the 35 in my financial plan. That's OK - - if I live to my 80's, I'll re-assess.
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Old 02-13-2009, 06:57 PM   #43
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Well, my life expectancy is 93. I'd hate to learn how long I'd live if I were to maintain my ideal weight. Even so I'm sure I'll be broke before my life expectancy comes around. Better not lose weight!
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Old 02-13-2009, 07:13 PM   #44
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I gave it my real weight, which is far from ideal. The rest of my answers probably pushed the age up.

I really don't believe these lifespan calculators anyway. In general I think they undervalue heredity and overvalue behaviors. But I have no data upon which to say that - - just a hunch.
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Old 02-13-2009, 07:31 PM   #45
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I gave it my real weight, which is far from ideal. The rest of my answers probably pushed the age up.

I really don't believe these lifespan calculators anyway. In general I think they undervalue heredity and overvalue behaviors. But I have no data upon which to say that - - just a hunch.
They also don't include conditions that make you wish you could die young(er).
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Old 02-13-2009, 07:51 PM   #46
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Financially I planned for 50. According to the health surveys I took around the time I retired, I should anticipate living into the mid 90s. So I figured I had better plan accordingly.

I can only hope for health along with longevity, and that my husband shares both with me!

Knock on wood - a whole gigantic redwood!

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Old 02-13-2009, 07:53 PM   #47
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So - I took the calculator - does Viagra still work at 92?
What I REALLY want to know, is that at 92, do you still want it to?

Audrey
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Old 02-13-2009, 08:05 PM   #48
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What I REALLY want to know, is that at 92, do you still want it to?
I can only imagine being so fortunate that all the parts can still be made to work at 92. Some of them barely work now and I'm not even half that age!
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Old 02-13-2009, 08:07 PM   #49
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What I REALLY want to know, is that at 92, do you still want it to?

If he's healthy, and can find partner(s), why wouldn't he?
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Old 02-13-2009, 09:34 PM   #50
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I just wonder if the desire/libido disappears at some point as part of aging.

Audrey
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Old 02-13-2009, 09:38 PM   #51
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I just wonder if the desire/libido disappears at some point as part of aging.

Audrey
With my parents: they were romantically involved until she had a stroke at 81 (collapsed in the kitchen).

A long term physical/emotional relationship.
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Old 02-13-2009, 10:05 PM   #52
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The calculator told me I would live to 102 and if I drank one less glass of wine I would make 103 but that would be one miserable year .
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Old 02-14-2009, 03:36 PM   #53
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Originally Posted by Want2retire View Post
I gave it my real weight, which is far from ideal. The rest of my answers probably pushed the age up.

I really don't believe these lifespan calculators anyway. In general I think they undervalue heredity and overvalue behaviors. But I have no data upon which to say that - - just a hunch.
I'm not sure about that. I got 79 as my first answer, then I went back and lied about everything except the heredity part. Lying meaning giving answers that they would use as positives. My whole life has been an experiment in negative longevity. For all that, it only pushed me up to 82. I think they are giving heredity a lot of value.

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I just wonder if the desire/libido disappears at some point as part of aging.

Audrey
The reason for the Viagra is for when those 92 year old guys marry the 29 year old Anna Nicoles. They are just trying to get a little of what they are paying for.
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Old 02-14-2009, 03:46 PM   #54
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The calculator told me I would live to 102 and if I drank one less glass of wine I would make 103 but that would be one miserable year .
Quote often attributed to Winston Churchill when asked by a woman if it was true that she could live to 100 if she ate right, stopped smoking and drinking: "Yes, madam, but it will feel like 200."
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Old 02-14-2009, 09:55 PM   #55
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With my parents: they were romantically involved until she had a stroke at 81 (collapsed in the kitchen).

A long term physical/emotional relationship.
Wow - that's amazing!

Audrey
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Old 02-15-2009, 02:53 AM   #56
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So I took the test. Looks like I'm gonna live until 85, a little less than I expected. I thought about raising my initial WR a little, since I'd been planning on somewhere in the low 3.x% range. Decided I better check DW's expenctancy, and found that she's gonna live to 102 (we're the same age), so it seems I have to lower my WR instead of raise it...either that or work a couple more years...wait, I'm already doing that....

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Old 02-15-2009, 02:27 PM   #57
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I just wonder if the desire/libido disappears at some point as part of aging.
Quote:
Originally Posted by audreyh1 View Post
What I REALLY want to know, is that at 92, do you still want it to?
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If he's healthy, and can find partner(s), why wouldn't he?
I think a human's most active sexual organ is between their ears. It's quite possible that for some of us it's the only activity between our ears. I've been reading/hearing anecdotal evidence that continuing-care facilities are hotbeds of sexual activity, to the point where social diseases are an issue. So I'm really looking forward to my elder years, even if I'm too demented to remember them...

As for lifespan calculators, I view them as a warning system intended to alert their users of the dangers of outliving their ER portfolios. We pick 120 years as our max and hope to make the top of our alma mater's "eldest living alumni" lists. By then we'll have also received far more pension than we ever got in paychecks, let alone earned.

Those are the considerations that keep us hopping out of bed in the morning... or back into it.
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Old 02-15-2009, 10:43 PM   #58
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USAA longevity calculator says I will live to 87, MSN says I will live to 97 (I now officially like MSN). I plan on retiring at age 48, so that means I will be getting my pension for 39 or 49 years for only working for 20 years. Looks like tricare for life is gonna get a workout with me. Now I will need to eat right, exercise and take geratol every day, but I will be reitred and have a little more free time to do it. Now, only if the US Government will stay solvent and not screw up my plans I could sleep a little easier. Random thoughts over, back to your regularly scheduled program.

Sonny
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Old 02-15-2009, 10:55 PM   #59
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Just did the MSN calculator, and I am supposed to live until 102.

Not terribly surprised, since both of my grandfathers died in their 90s (including one at 97), and both of my grandmas are still alive at 90 and 91. Several of my great-grandparents lived until 98 or 99. A little scary actually considering how much more complex elderly guardian issues are compared to 50 years ago. I can't imagine how things will be like in 70 years.
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Old 02-16-2009, 01:23 AM   #60
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Although I will probably only last 25-35 more years, I feel I have to plan for the worst case, which would be living forever. This is one reason I adopted a dividend-based strategy for retirement income.
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