This is one that concerns me. My family members typically live into their 100s and are still very independent and mentally healthy up until a week or so before

This is one that concerns me. My family members typically live into their 100s and are still very independent and mentally healthy up until a week or so before dying. I am incredibly healthy and don’t expect anything different, barring accident. I plan on waiting as long as possible to start collecting social security, but I’m wondering what else I need to consider when anticipating 30-40 years of retirement.