TIME

HOW CAN I AFFORD TO LIVE TO 100?

(Because getting there is more likely than you think)

WHEN JOE ROSEMAN, A RETIREMENT-PLANNING EXPERT IN Charlotte, N.C., meets with a new client, there’s one bit of information he wants to know first. It’s not how much they have saved, and it’s not when they want to retire. It’s how long their parents and grandparents lived.

That’s not because it’s necessarily the best predictor of longevity (though it’s a decent place to start). Rather, it gives Roseman a baseline of his

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