U.S. personal finance guru Suze Orman says that if you stop working in your 60s, you might need to support yourself for another 30 years. How can you afford to live well into your 90s? One way is by working until age 70.

To some extent, this is a U.S. perspective driven by higher health care costs than we face in Canada. But Ms. Orman is definitely onto something in terms of how longer lifespans are affecting personal finance. If we live longer, working past 65 can make sense from both an emotional and financial point of view. "Every dollar you don't spend in your 60s is a dollar that can keep growing for your 70s and beyond," she says.