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Outside the Box: At some point you’ll retire. Here’s how to avoid screwing it up

You will retire one day—and, if you want to spend your final decades in even moderate comfort, it won’t be cheap. Not too concerned about saving for retirement right now?

Here are five uncomfortable realities:

1. You’ll almost certainly live to retirement age.

Sure, you could go under a bus before then. But that isn’t something you should bank on: If you’re age 20 today, there’s an 85% chance you will live to 65, according to 2014 mortality rates from the National Center for Health Statistics.

2.

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