9 Tips to Ensure You’ll Have Enough to Retire

Planning for retirement savings to last until you are 80, 90 or 100 is a daunting job. But these basic rules will help you figure it out.

Senior internetTyler Olson / Shutterstock.com

The good part about being alive today is that we’re living longer. The bad part — we’re living longer.

Not all that long ago, retirement funds did not have to see most people to age 80, 90 or 100. Today, those of us approaching retirement are playing a very new game. The average 65-year-old is expected to live another 19.4 years — to age 84 or 85, according to the latest federal statistics.

Given the uncertainty about longevity and the difficulty of projecting needs, we put together a few simple ways to know when it’s really OK to stop working. Following are nine basic rules of thumb to help with your retirement planning.

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