Projecting out retirement expenses may go beyond 20 or 25 years. Median life expectancies now are 83 for men and 87 for women, so half of all Americans will live longer–much longer, in many instances. The point is to make sure your retirement plans are made for the long haul. Financial advisors often tell clients to project retirement expenses until age 100. Thus, retirement may last for 35 years or more. It’s very likely that a retiree who now spends $60,000 per year may ultimately be spending $100,000 or more.