 Am I really going out at 82, 83, like everybody says, or am I going to make it to 90, in which case I probably need to plan for a little longer? Because if you screw up and live too long, what are you going to do then? Of course, one basic approach would be to work longer so that you have the same number of years at the other end. That's right, although becoming a barista at 93 could be a little challenging or whatever it is that someone might want to do.