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I was visiting with my former economics professor, Dr. Scott Boaz, the other day. When I asked how he was doing, he replied, “Just fine, thank you. According to the IRS I have another 8.37 years to live!”

If you are starting to think about retirement, you’ve got to consider making your savings last throughout your remaining years. And on average, our remaining years are getting longer all the time. At age 65, a male has a life expectancy today of another 20 years. Add another four years or so for females. I once asked the students in my retirement planning class why women outlive ...