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The best way to ensure a financially secure retirement is to have a comprehensive plan. And that means having enough money to last for 30-40 years beyond one's working life, allowing for the possibility that you'll live to be 100. Think that sounds like a stretch? Within the next 10 or 15 years, it is widely expected that there will be a big leap in human longevity that will radically change our society, primarily due to advances in medicine, genetics, and technology.