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Life expectancies have been rising by up to three months a year since 1840, and there is no sign of that flattening. Gratton and Scott draw on a 2009 study to show that if the trend continues, more than half the babies born in wealthier countries since 2000 may reach their 100th birthdays. With a few simple, devastating strokes, Gratton and Scott show that under the current system it is almost certain you won’t be able to save enough to fund several decades of decent retirement. For example, if your life expectancy is 100, you want a pension that is 50 per cent of your final salary, and you save 10 per cent of your earnings each year, they calculate that you won’t be able to retire till your 80s. People with 100-year life expectancies must recognise they are in for the long haul, and make an early start arranging their lives accordingly.