I don't smoke, but who the hell wants to live to 90? I would be satisfied with 75. Afterwards it just becomes a drag.
90 is okay if you had a lot of children or from an immigrant community.
Did you know that 20% of men die before 65? Even in Western countries. There's a huge chance you won't make to that age, even with a healthy lifestyle.
I think I could.
All my grandparents died in their 80s.
Same here, just not getting my hopes up. I'd be satisfied with 70s.
No return on investment in regards to pension. If you live only 15 years or less after retirement, you paid into pension for nothing.
It would be nice to live for another 20 years after retirement
It's not a problem. They calculate the risk in pack years, one pack a day for a year is a pack year. If you've smoked 12 pack years and quit by 30 they say you'll still catch up with your peers. You're talking about just 2 packs total, you're fine just make sure you quit.
Let the internet financial planners advise you bruh fiduciary advice on demand.401ks and pensions are there to supplement savings and social security. If you don't have any savings and you plan on retiring on ss and 401k or just ss alone you might be in bad shape.