Planning for longevity isn't just about money — it's about making sure your future quality of life is protected.
We spend a lot of time planning for what happens if we die too soon. But what about the flip side? What happens if you live well into your 80s, 90s, or even past 100 — and your money runs out before you do?
That's called longevity risk. And in this episode of The Legacy Lab, Ashley and Megan walk through what it actually looks like, what the numbers say, and — most importantly — what you can do right now to protect yourself.
From the reality of how long people are actually living, to the healthcare costs that catch most retirees off guard, to four concrete strategies that can make a real difference, this episode is a practical guide to making sure a long life stays a reward, not a risk.
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Key Takeaways
- Why most people dramatically underestimate how long they'll live — and why that gap is dangerous for a retirement plan
- What running out of money in retirement actually looks like day to day, and the ripple effect it can have on the next generation
- Why Medicare doesn't cover long-term care — and what that could cost you if you're not prepared
- How your health habits today are directly connected to the quality (and cost) of your retirement years
- Four strategies to protect yourself against longevity risk: delaying Social Security, income annuities, working longer or part-time, and long-term care planning
- What a solid retirement plan actually aims for — and how RMC Group helps clients build one designed for the long haul
Other Resources