No one can tell you, but you can get a sense of the probabilities. Often people will not know how much money they need to cover all the bases. That number is extremely large and is still unknown.

Instead, start with the health you have, and the behaviors can increase or decrease how long you stay healthy. Actuarial tables tell us men at 65 live 18 years longer, but only 66% are active years, the other 6 will require some form of support. Women live longer at 21 years and 62% are active years the other 8 require some support.

The Blue Zones True Vitality Test, and similar sites can help refine your estimates. (Caveat: They don’t replace biometric screenings or physicals to detect risk factors.) Get input from your primary care physician, dentist, eye doctor, audiologist, and other specialists you use to get your baseline, and pin down long-term issues you should expect.

Armed with estimates and input (and your respective ages if you are married), you can make better use of tools and information to estimate of how much money you need, what is ahead, and when you may need help. For that, turn to other resources:

1. Understand your Medicare choices and the cost structures of each. Medicare can cover relatively little or quite a lot.

2. Kaiser Family Foundation (KFF) – for information on dental costs, Medicare, and Medicare Advantage. Keep in mind that the average cost of a single tooth implant is $2,000 to $5,000.

3. In 2022 legislation to enable over-the-counter hearing aids was finalized. Currently they range from $2,000 to $5,000, is changing as the legislation goes into effect.

4. Genworth, and New York Life and others– provide costs for different ways of delivering care; at home, assisted and community care, and nursing homes

5. Remember, where you live matters too. It must be medical and care accessible, which has costs.