This undated file photo provided by NerdWallet shows Liz Weston, a columnist for personal finance website NerdWallet.com. Longevity literacy is crucial in planning for your retirement, so you don’t run out of money or keep yourself on a needlessly skimpy budget. Unfortunately, many people incorrectly estimate life expectancy in the U.S., although women tend to make better estimates than men. Understand that overall life expectancy numbers you’ve seen in the news are counting from birth. (NerdWallet via AP, File)