What’s scarier than dying? Outliving your savings, say scores of Baby Boomers.

The fear is understandable. Today, healthy 65-year-olds have at least a 40% chance of living into their 90s.

For the growing group of increasingly older Americans, health care costs will be a significant challenge. A 65-year-old couple today will need $230,000 to pay for medical expenses throughout retirement, not including nursing-home care, according to a report from research firm Aite Group. 

Despite the savings challenge, there are steps Boomers can take to avoid running out of money in retirement, according to the Women’s Institute for a Secure Retirement, an education and advocacy group for women.  Here’s a 10-point checklist WISER developed to help Boomers save themselves from retirement shortfalls. 

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