Yeah, then there's that "genetic lottery" aspect of it. My mom, 86 this year, has far outlived her (only) sister and both parents. And my dad, despite dying at 65, lived far longer than both of his brothers and his father (his mother got to her 80s). A friend of mine and his siblings moved their mother to assisted living two years ago, at the age of 101 (!). I tell him he needs to save up more for his retirement.