Richard CanfieldPodcast Host and IBC Advisor, Ascendant Financial · Authorized Infinite Banking Practitioner | Author of 4 Books

What Happens to Your Money If You Live to 100? #shorts

8 Jul 2026 · 1 min

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In this short monologue, Richard Canfield reflects on the concept of longevity risk and its personal and financial implications. He begins by recalling a quote from “Ray” that frames both dying early and living very long as heroic in the eyes of one’s family, a perspective that reshapes how we think about lifespan. Canfield then points out that for a typical 65‑year‑old couple, the odds that at least one spouse will reach their 90s are now very high, and reaching age 100 is no longer a statistical outlier. He argues that continued medical advances could make ages like 100 or even 121 feel comparable to today’s age 85, underscoring how longevity risk is becoming an increasingly realistic factor for financial planning.

Chapters

How can I be on the side of longevity? You know, I heard a long time ago, it was actually Ray who said this a long time ago. He said, uh, if you die too soon, you'll be a hero to your family. And if you live too long, you'll be a hero to your family. That kind of immediately just helps somebody to think about their thinking. And the fact is more so today than back when, you know, we first started implementing this process in our own lives many years ago is that longevity risk has become more and more real. Let's presume you're a 65-year-old couple. You have a very high probability that one spouse is gonna live well into their 90s. And somebody living to age 100, that's not a freak statistical accident anymore. And if medicine keeps advancing the way that it is, I think that age 100, even age 121, could eventually feel like today's age 85.