Americans are increasingly healthy into their 70s, 80s, even 90s. Are you prepared for this fountain of youth in retirement? You may think so, but a risk index produced by the Center for Retirement Research at Boston College indicates that 51 percent of households are “at risk” of not having enough to maintain their living standards in retirement. The best time to start saving for retirement is today. If you're within 10 or 15 years of retirement, the decisions you make now can have a profound impact on the retirement you'll enjoy later.