Retirement planning requires a lot of educated guessing in terms of how long you’ll live and at what age you’ll stop working. In general, people can expect to live at least 20 years post-retirement at age 65. Lifestyle, family history, and overall health are factors to consider. Long-Term Care Costs What hasn’t been factored in until recently, is the cost of any long-term care that might be needed. This is a much harder item to pin down. However, one…