It’s a silly thing to worry about if you aren’t rich. Especially the scenario in the article as the federal retiree has access to great, cheap healthcare.<p>At the end of the day, you’re going to die if you’re lucky. More likely, one of both partners will have a debilitating medical event that will drain their savings on mediocre medical services or theft/waste by caregivers.<p>Spend the money responsibly but don’t fret. If you want to give your kids money, just give them money.<p>My situation is simple. I have one spouse and one kid. I’ll have the equivalent of few million bucks between annuities and savings at 55-56 and will retire, with an income allocated to spend about 60% of the total by 70. If I make past there, I’ll have beat all of my male ancestors and will still have plenty of pension, social security and investment income to live my best old man life.