 That does not seem like a good plan to me. The statistics don't lie, okay? The average life expectancy post age 65 is about 18.9 years, almost 19 years, which means, you know, 84 with variations between the genders. Women do live longer than men. So you need to take action and save more and invest in retirement plans that account for a longer life. People are living longer. Who's to say that you won't hit 120?