Three things to consider to make your money last the rest of your life

MarketWatch

by Paul Brandus

February 14, 2026

AI-Generated Deep Dive Summary

The U.S. life expectancy has reached a record high of 79.4 years, up from 79.25 in the previous year, according to the Census Bureau. This increase is particularly notable for women, who can expect to live slightly longer on average than men. While living longer is generally seen as positive news, it also brings financial challenges, especially for those planning for retirement. With a longer lifespan comes the need to ensure that savings and resources last throughout one’s extended life span. One of the most critical considerations is creating a sustainable withdrawal strategy from retirement accounts. This involves carefully managing how much money is taken out each year to avoid running out prematurely. Financial advisors often recommend a spending rate, such as the 4% rule, which suggests withdrawing no more than 4% of your portfolio annually to maintain long-term sustainability. Another key factor is addressing healthcare costs, which tend to rise with age. retirees must account for potential increases in medical expenses and explore options like Medicare or supplemental insurance to mitigate risks. Unexpected health issues can quickly deplete retirement funds, making it essential to have a plan in place for managing these costs. Finally, staying adaptable is crucial as life expectancy continues to evolve due to advancements in healthcare and medicine. retirees should regularly review their financial strategies and be prepared to adjust them based on changing circumstances, such as longer lifespans or shifts in market conditions. By focusing on sustainable withdrawals, health

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Originally published on MarketWatch on 2/14/2026