It has been widely reported that the No. 1 thing seniors worry about is outliving their money. How do you plan to conquer this fear?

Aside from SSI funds, I have minimal other investments and have accepted that I will probably be at a much lower standard of living than I have today. However, I don’t intend to live in fear of not having enough money and am not letting it dictate my current lifestyle. I have made the personal decision to try and enjoy the next 10 to 15 years and suffer the consequences later.”

- Sandy H., 55
Greeley, Colo.

Honestly, I hadn’t really thought about it until now. I’ve got a 401(k) and an IRA, so I hope that’s enough. If it isn’t, I guess I’ll be working my way to the grave.”