Retire with an annuity not just stocks and savings.
Make your kids independent. Make sure they know they won't be 35 YO basement dwellers.
Don't go on world cruises six times a year.
Don't buy an RV or a boat thinking it will be an idyllic lifestyle.
Get the best health insurance options you can.
Look at your parent's longevity, it's your gene pool too. If you don't plan on living past 100, get early Social Security. You will probably break even by then.
Still put money away when you have spare change.
Stay away from casinos.
“Retire with an annuity not just stocks and savings.”
If you expect to live a long retirement you need growth. Annuities don’t provide growth. And they come with hefty fees.
I retired 15 years ago and my stock portfolio is much larger than when I retired.
My IRA is 3x higher in spite of taking out each year.
Last year I took out 15%.
No thanks. Retirement annuities are best for the people who sell them - not the suckers who buy them.