Читать книгу Retirement Planning For Dummies - Matthew Krantz - Страница 13

Adding to the planning complexity is the fact that Americans are living much longer than they used to, as shown in Table 1-1. That news is great for humans, but it also means retirement planning for most people must stretch an additional 10 years or longer.

TABLE 1-1 Life Expectancy of Americans

Year You Were Born	Life Expectancy (Both Sexes Combined)
1955–1960	69.66
1960– 1965	70.11
1965– 1970	70.36
1970– 1975	71.43
1975– 1980	73.25
1980– 1985	74.37
1985– 1990	75.89
1990– 1995	75.65
1995– 2000	76.47
2000– 2005	77.18
2005– 2010	78.19
2010– 2015	78.94
2015– 2020	78.81

United Nations, Department of Economic and Social Affairs, Population Division (2019). World Population Prospects: The 2019 Revision; custom data acquired via website.

If you want to slice-and-dice life expectancy data to glean more precise insights about typical lifespans, you’re in luck. The United Nations’ World Population Prospect data query tool is a treasure trove of life expectancy data. You can see forecasts going out for decades, how females fare compared to men, and the changes to your life expectancy as you get older. Dig into this fascinating data by using the tool at https://population.un.org/wpp/DataQuery/.

Time to take a break from the history of retirement planning to answer the question you’re probably asking now that you’ve read this far: How long will you live? I am not getting fatalistic. Knowing how long you can expect to live is a big part of retirement planning. After all, a person who expects to live to 90 will save and work differently than someone likely to die younger.

I cover this topic in more detail later, but now’s as good a time as any to think about your lifespan a bit. I keep the discussion optimistic by focusing on how long you’ll live (versus when you’ll die). In this section I provide my favorite tools to help you make this calculation.